Cardif Pinnacle

[Dentedporsche]

Hiyas,
My first posting so hopefully I've got this in the right place.

I took out a mortgage with Northern Rock last August and along with it I took PPI through Legal and General.
Last month, going through our bank account I came across a direct debit payment that's been going out to Pinnacle Insurance.
Phoned them to find out why and discover that they're covering my wife and I for PPI.
We don't remember signing anything with them, we don't have copies of any agreement and we've never received a policy from them.
My wife is recovering from cancer, doesn't work and will have health problems for the rest of her life so I can't understand how we've come to have this joint cover.
(Legal and General cover me only).
Is there any letter I can send this lot to get back the money we've paid them?

Thanks.
DP

[alanalana]

hello cardiff pinnacle.

Hiyas,
My first posting so hopefully I've got this in the right place.

I took out a mortgage with Northern Rock last August and along with it I took PPI through Legal and General.
Last month, going through our bank account I came across a direct debit payment that's been going out to Pinnacle Insurance.
Phoned them to find out why and discover that they're covering my wife and I for PPI.
We don't remember signing anything with them, we don't have copies of any agreement and we've never received a policy from them.
My wife is recovering from cancer, doesn't work and will have health problems for the rest of her life so I can't understand how we've come to have this joint cover.
(Legal and General cover me only).
Is there any letter I can send this lot to get back the money we've paid them?

You will find several letters in this forum You just have to search and find one suitable to your claim for mis-sold PPI.

Please see the following from another thread:

If it is then you can do the following to obtain the paperwork and any other data you will require.

If your cc account is still active you can send a request for a Consumer Credit Agreement see post 27 from this link...
alanalana PPI claim against RBS (looking for some help) please

If the account is closed then you can submit a Data Subject Access Request.... see this link...
Full S.A.R - (Subject Access Request) for ppi

The statutory fee for this is £10 and a Postal Order is recommended (no signature and no 5 working days to clear - time saver)

In the S.A.R - (Subject Access Request) it is important to ask for every detail you require that is held as data in whatever format you wish to ask for, paper, electronic, microfische, CD, Tapes and anything else you can think of.
Details of accounts, statements, credit agreements, Terms and conditions, policy documents, Telephone conversations, Letters, emails and anything else you can think of.

It is imperative you get everything that you may eventually have to rely on if you have to proceed to Court action.

If you read up on the thread above and many others you will see the financial institutions are employing delaying tactics. I am over five months down the line and still not sure if I have been provided with everything I asked for in my S.A.R - (Subject Access Request) hence I have a complaint with the Information Commissioner and a few other regulatory bodies.

Hope this helps you get started

aa