Well, here we go again! After successfully reclaiming ALL my mis-sold PPI's, taking 8+ years, or so I thought, another one has surfaced.

This time, it's an odd one. Out of the blue, I received an 'Annual Review of your optional PPI'. Addressed to me, with an insufficient address, which the post office delivered. There was a ref. no. so I contacted the sender. They had no record of it! But someone must be paying a DD of £49.66/pm. Certainly not me.

We knew it related to a mortgage we used to have but paid off about 5 years ago. My husband checked his bank statements and....yes.....he's paying £49.66/pm. He queried it after paying off the mortgage then (and reducing all unnecessary payments) but his bank told him it was a Buildings Insurance and that it could be used for any property he lived in!!! (He never told me that one!!). Of course, he stupidly believed them and left it thinking he had to have it.

How low can these banks sink??? Obviously, we will reclaim, but it has to be through my husband which does make it a bit more complicated.

My thoughts are, that not only did they take out a policy on ME (I would have refused point blank to pay it), but I'm guessing the salesman then pressured my husband to pay it on my behalf. Don't get me wrong, my husband is far from stupid (!) but he runs his own business and these 'trivial' matters get dealt with then forgotten! Me? I know every penny I pay out!!

The next 'odd' thing is they have my personal details, mainly correct, except it says current employment status: employed 16+ hrs/wk. Wrong! I have been self-employed for 35+ years! That, in itself, means I was mis-sold since I could never claim. Sure, it says, if self-employed, that the business must 'fail' or 'voluntarily cease trading'. I've argued that one every time, since the business is 'me'.....what am I supposed to do??!!

I have a feeling we could tackle them from various angles but would love to hear from anyone else who might have been in a similar situation? I think this is a mis-selling mis-selling!!...and they have walked right into a trap.

I'm hoping my husband can find the relevant paperwork, otherwise we'll have to request it.

prob an advisor somewhere filled it out and faked a sig to gain the commission

it was rife at that period in time.

find the demands and needs sheet for the mortgage application

This was dealt with swiftly as my husband had all the necessary paperwork....and more. Turned out there were 2 claims to be made. With interest totalled over 12k. received.

well done

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dx

I was trying to conclude this oldish thread! ...loose ends and all....husband got the money!!

It still beggars belief how all these lending institutions can act so deviously. And for so long. If I hadn't spotted it (something sent to our other address out of the blue) and queried it, it'd still be being paid, no doubt.

you already told us 2 posts up