Ppi Can I Claim?

[Jennykenny]

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?.

[chrissa1]

Could you get hold of old bank statements from that time. They would have a record of who you were paying your mortgage to.

[New Judge]

There are a number of companies who will find out if you are eligible for a PPI mis-selling claim. Just google "ppi can I claim" to find some.

[SirOracle]

That's fine NJ,but it should be remembered that these "helpful" companies charge a hefty fee if they receive any money for you.

If you can find out who the mortgage company were then it is a fairly straight forward matter to handle yourself,and save perhaps 30% of the amount due to you.

[RandyMarsh]

Did you work?, would the cover have been in your name?

[granny grump]

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

[granny grump]

If your husband was self employed and he was covered you stand an even better chance. You can claim on his behalf. If you were covered and worked less than 16 hours per week or were not working again you stand a good chance

[chrissa1]

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.

[johnny37]

isn't anything over 6 years old 'out of time'?

[chrissa1]

Not at all, johnny37. A friend of mine won £10,000.00 from a Building Society for being mis-sold in the early 80's.

[Jennykenny]

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.

[SirOracle]

If you look at your building insurance policy then the name of the Mortgage provider should be on it.

[chrissa1]

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.

[hc4361]

Was your husband self employed?

[TWR]

As said, you can do this yourself ( I did) get your details & contact the Mortgage Comp, give them your detail & just say, You believe you have a case for PIP as you were not advised about the terms, that's what I done Jenny, but do not be put off they will try that I can assure you, Good Luck.

[hc4361]

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.

[chrissa1]

hc4361. There are always people that say that not all PPI was mis-sold but, it's a fact that the vast, vast, vast majority of it, was.

You put people off trying to claim when all it takes is a bit of determination and a couple of First Class stamps, to find out.

Go for it, Jennykenny.

[hc4361]

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.moneysavingexpert.com/reclaim/ppi-loan-insurance

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.

[Jennykenny]

He wasn't self employed. The mortgage was in joint names.
We paid off the mortage in 1989, and are now three houses (bought cash) down the line.
Land Registry might work Chissa.

[janbee]

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

[TWR]

Jenny/Kenny, I have claimed off Sandanter My Bank/ ( a loan at that time),
the first thing Sandater ask me, can I prove it ( I had all the statements in front of me) I said I could then proceeded with the Evidence, I also claimed against Standard life on an other issue, do not be put off.