Thread: PPI claim refused

When we took out our mortgage we were told over the phone by the Northern Rock rep that the PPI was 'compulsory.' So we took it out at approx £25 per month.

A few years down the road and after all the publicity of ppi miss-selling we check out policy and discover that it wouldn't have paid out anyway in the case of redundancy as my severance package would be too generous.

I contacted Northern Rock, cancelled the policy and wrote to them asking for a refund.

I told them that I was sold the ppi because I was told that I had to have it.

After 2 months Northern Rock replied refusing my claim and enclosing documents with my signature, and a later recording including a discussion about ppi (this was when I still thought it was compulsory).

They say they have no recordings of my initial phonecall (strange that isn't it?) where I was told I had to have the ppi.

Is it worth me pursuing this claim? Or does the fact that I have ticked a box asking for ppi on my mortgage acceptance form mean that the fos wouldn't find in my favour?

yes, either start a claim against them or go to fos.

A claim would be quickly resolve this.

The FOS will take YEARS to sort this.

Originally Posted by noomill060

yes, either start a claim against them or go to fos.

A claim would be quickly resolve this.

The FOS will take YEARS to sort this.

I did start a claim, they have knocked it back, should I now go to the FOS?

Originally Posted by noomill060

I mean an official claim in the small claims court.

All youve done so far is ask politely for your money back and they have told you to naff off.

Time to show you mean business.

Banks fear a judge taking an interest and will do almost anything to avoid being in a courtroom.

We will help- it does seem a daunting prospect if this is your first legal dispute -but here on CAG we eat banks for breakfast and spit out the bones.

Just ask for help and you will get all the advice you need.

Ah I see what you mean, does the fact that they have later recordings of me confirming that we have PPI go against me though? Like I said the recording of the initial call has been 'lost.'

That you had PPI is a matter of fact.

What matters is whether it was mis-sold to you or not.

If they cant prove you even asked for it and you deny agreeing to buy it , then its game set and match to simon1003

(There are many reasons that this product could have been mis-sold, I use the above simply for starters)

Originally Posted by noomill060

That you had PPI is a matter of fact.

What matters is whether it was mis-sold to you or not.

If they cant prove you even asked for it and you deny agreeing to buy it , then its game set and match to simon1003

Thanks noomill, I'll look into starting a small claim.

Excellent.

Start by doing a SAR under the Data Protection Act 1998 for all personal data held on you by NR. (Statements, agreements, letters, call logs - everything)

There are template letters in the CAG library