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Reload this Page Aged PPI via Abbey - advice please

Payment Protection Insurance (PPI) The misselling of Payment Protection Insurance is widespread, and believed to run into billions of pounds. This forum will help you to see if you have a valid claim for a refund, and guide you through the process.


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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

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Old 12th March 2007, 09:14   #1 (permalink)
ellemmjay
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Join Date: Jul 2006
Posts: 110
ellemmjay Novitiateellemmjay Novitiate
Default Aged PPI via Abbey - advice please
Hi all,

Wonder if anyone has any advice / opinions on this one - I'll keep it brief:
  1. Took out a mortgage with Abbey in 1995
  2. At the same time took a Paymentcare Policy via Abbey
  3. Made redundant in 1997
  4. Contacted Abbey branch for claims form for insurance cover
  5. Abbey finally provided claim form duly completed and sent off
  6. Abbey lose claim form
  7. New claim form requested and completed and handed in by hand to local Abbey mortgage centre
  8. Abbey close mortgage centre and move and subsequently lose all paperwork associated with my claim.
  9. Finally contact paymentcare directly ( Norwich Union ) and am told that I am not eligible because I failed to claim within the time period stated on the initial paperwork.
  10. Protracted communications with me/Abbey/Norwich Union - unable to prove paperwork lost by Abbey - in essence give in
  11. Nothing happens for nearly ten years'......
  12. Request an Subject Access Request from Abbey on the mortgage account for a claim relating to arrears charges and find some of the paperwork associated with the original claim that they denied thay had.
  13. Send letter to Abbey in November 2006.
  14. They forward to Norwich Union
  15. Norwich Union say they are unable to trace the policy details because they are archived and I do not have the original policy number ....... I've tried everything to find this but can get no joy from Abbey or Norwich Union
  16. To complicate matters the account that the direct debits were made from was with Lloyds who claim to have destryed all my bank records over 6 years old
  17. Arghhhhh - feel like I'm going round in circles
  18. Withount any interest they should have paid approx 9 months @ £350 which would have made a massive difference at that time ( susequently went into arrears , suspended repossession etc etc )
Reading back seems like I gave up very easily ten years ago but as with many of us was extremely naive with respect to my rights


Any advice really gratefully received



Elle
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