Quizzes & Puzzles25 mins ago
Ppi Can I Claim?
20 Answers
We had a mortgage from 1979 to 1989 approx, but have no idea who with, ( my late husband took care of our financial details, and there is nothing relevant in our files).
Any idea how I would begin to trace if I was entitled to any payment?.
Any idea how I would begin to trace if I was entitled to any payment?.
Answers
You could go the Land Registry and search the deeds for the house you lived in, then. The mortgagee should be on there. As I've said, there can be a lot of detective work but, it will be worth it if you just find, that name.
19:41 Thu 22nd Jan 2015
If you have local banks or building societies draft a standard letter with the details above and send it to them all. They will then check their records and let you know. Checking with your bank as chrissa suggests is a good idea. When (if) you track the lender down they will send you a questionnaire to fill in or you can download one from the internet from:http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi/PPI-consumer-questionnaire.doc
Any questions you can't answer just put 'don't remember'
As your husband has passed away - if the mortgage was in joint names you may need to provide a copy of his death .
Don't bother with claims companies they will charge you sometimes as much as 30% +vat & you will have to do almost as much work as if you do it yourself -you can do it Good luck
Any questions you can't answer just put 'don't remember'
As your husband has passed away - if the mortgage was in joint names you may need to provide a copy of his death .
Don't bother with claims companies they will charge you sometimes as much as 30% +vat & you will have to do almost as much work as if you do it yourself -you can do it Good luck
DO NOT use a claims company, Jennykenny. They do nothing you can't do yourself. All it takes is a bit of "legwork" by yourself to do it.
As well as everything else other people on here have said, do. Can you really not recall who your mortgage was with? Think back to that time and and try to work out who the big lenders were then, in the town where you lived.
As well as everything else other people on here have said, do. Can you really not recall who your mortgage was with? Think back to that time and and try to work out who the big lenders were then, in the town where you lived.
Thanks to everyone, but not sure I am going to get anywhere. We lived in London at the time, so no local building societies.
As to remembering anything, not really. My husband was a Chartered Accountant so he did all the 'money' side of things and I was responsible for the other stuff.
Have bank statements going back about four years but that is all.
But, since the mortgage was probably paid out via Barclays, they might have something in their records. A long shot but worth a try.
Thanks.
As to remembering anything, not really. My husband was a Chartered Accountant so he did all the 'money' side of things and I was responsible for the other stuff.
Have bank statements going back about four years but that is all.
But, since the mortgage was probably paid out via Barclays, they might have something in their records. A long shot but worth a try.
Thanks.
If the mortgage was in your husband's name and he handled all the accounts you won't be able to say you believe the PPI was mis-sold.
Not all PPI was mis-sold. If your husband was self-employed then he may have been mis-sold against redundancy but he may have been covered for mortgage repayments if he had been too sick to work for any reason.
Not all PPI was mis-sold. If your husband was self-employed then he may have been mis-sold against redundancy but he may have been covered for mortgage repayments if he had been too sick to work for any reason.
From The MoneySavingExpert's website:
I was told to buy mortgage PPI, was it mis-sold?
Yes, but mortgage PPI wasn't as commonly mis-sold, so it's less of an issue. Remember, good PPI protects your mortgage repayments in the event of accident, sickness or unemployment
http:// www.mon eysavin gexpert .com/re claim/p pi-loan -insura nce
We still don't know if the mortgage was in JennyKenny's name, nor if her husband was self-employed.
She says herself that her late husband dealt with all the financial affairs so I don't really know how she can claim it was mis-sold if she knows none of the facts.
I was told to buy mortgage PPI, was it mis-sold?
Yes, but mortgage PPI wasn't as commonly mis-sold, so it's less of an issue. Remember, good PPI protects your mortgage repayments in the event of accident, sickness or unemployment
http://
We still don't know if the mortgage was in JennyKenny's name, nor if her husband was self-employed.
She says herself that her late husband dealt with all the financial affairs so I don't really know how she can claim it was mis-sold if she knows none of the facts.
Friends of mine were bombarded with texts, emails, snail mails about PPI and they all got deleted, shredded etc . End of story... or so they thought. Just for a laugh, they decided to fill in one of the forms they were sent. To their surprise, nay TOTAL shock, they received a cheque for £7400 !! Always worth a try Jenny. Good luck xx