Thank you both. I will write to them and ask for clarification of various insurance amounts against the appropriate dates. One of them does disappear before 2000 so it may well be the buildings insurance then.

Heard back from them advising loan protection insurance was held from inception to almost 2000 when the insurance was cancelled.

They state they only have limited information as to why it was cancelled.

I probably found out it was not appropriate as I wasn't working then relying on maintenance payments!!!!

I really don't have the mental ability to go for maximum amount

I could get through the courts

I would use the 1st spreadsheet

- is that right

- and I won't enter an end date on that spreadsheet.

Yes

Short and sweet answer but accurate. thank you

Received the following from west brom

Thank you for your email dated 28 September 2017 regarding the loan protection insurance premiums.

Due to the length of time that has passed since the mortgage redeemed the data we hold in our department is limited. The mortgage statements we hold for the time the mortgage was held, do not differentiate between the two insurances linked on your account. What you need to do next

If you are seeking this information in order to make a complaint regarding the miss-selling of these insurance policies, we can forward your request on to Customer Relations who will be able to look in to your complaint and may be able to provide you with additional information.

.

The statement shows a start date in 1988 with yearly insurance premiums totallling 274.40 yearly advising of a renewal date in 1994 (what?) with monthly mortgage payments including an insurance premium of £38.40.

Their answer above seems vague so I am proposing using this £38.40 as my monthly PPI figure

- am I correct?

I would agree to let them fwd it

They sent me a PPI form so I'm going to send it back. It does say my ex-partner may be entitled to some of the refund - he signed the house over to me and we have no contact - is the fact we divorced relevant to my claim?

in all cases id always use the FOS CQ not their one

Thank you - I should have said they did send me the FOS cq.

Will just have to wait and see if I get all the money or just my share up to when I divorced and then the full allocation. Better than nothing, whatever.....................

I have saved a copy of the cq just in case I need to apply to the FOS.

Damm -

they have sent me another qs.

To investigate the PPI they say they need the agreement of the other party

- well he lives in America and signed the mortgage package over to my solely in the 1990s.

Any suggestions?

any proof he did

I have a copy of my solicitors letter dated 13 January 1998 to the BS regarding 'their (me and my ex) proposed discharge of the society's mortgage.

Would you please let us have the title deeds upon our usual undertaking not to part with the same pending discharge of the mortgage and to return the same to you upon demand.'

Then there is another letter dated 21 July 1998 in reply to a BS letter apparently dated 14 July in which my solicitors advise they have received no further instructions for the time being from myself with regard to the transfer of the property into the joint names and that they are returning the Deeds. It also states they will apply in due course if I proceed (in what?)

We divorced in 1998 and in a letter from to BS February 2004 I advise that my ex had signed over the endowment policy and mortgage to me alone

as I was not working the BS took the decision to keep his name on the policy

(they sent me a copy of this so are they delaying things in an effort to get me to stop).

Then finally I have found a letter in with my name only in 2004 on the mortgage due to the fact I was remortgaging elsewhere.

Is this sufficient proof

- don't they have to do some checking if I bring this to their attention with my sending copies of the above?

They settled my original claim for unlawful bank charges without bringing up my ex so they must have been aware of the mortgage situation then as I went back to when it was a joint mortgage.

so short answer is no you haven't

PPI is not like penalty charges

Its personal protection Insurance

he was obv named on the policy.

was the PPI part of the endowment policy then or separate.

BS had said that the policy was in my name only (presumably after we divorced).

sad fact is is that he was paying for the mortgage whilst he was with you

unless you've got a signed letter witnessed by say your or his solicitor at the time that he signed the home over to you

then that's a dead duck.

as far as i'm aware they don't need HIS permission to investigate

but might well think he could be owed 50% of any sums refunded.

dx

My solicitor did get him to sign the house over to me (being in America he didn't bother with filing for divorce, just ordered me to get it done in this country)

wouldn't the BS have had a copy of this and I think he possibly had to sign some paperwork (so long ago I'm not sure) when I wanted to remortgage.

I'll phone them tomorrow and ask the question.

good looking better then..

just be aware they are only going by what the FCA/FOS dictate they have to do

in this instance they are not purposefully being obstructive

though as I said

theres nowt on either FCA/FOS regulations or whatever

that state they cant INVESTIGATE,

just with regard to any resultant payment

Spoke to society

their line is that as the policy was sold to us both at that time

they need confirmation of his new address/residency as he may be entitled to 50%.

Luckily we are on civil terms (after meeting at a family funeral)

I have sent the sheet for him to complete and send back to BS

- lets see what happens between now and christmas.

If he sends it back after the 8 weeks are up I will just need to fill in a questionnaire again.

Many thanks for the advice. Only getting 50% of the total due but even half a loaf is good when my half £3700 so thanks very much and cheque should be arriving within a fortnight once my ex returns his form. Donation will be made then.

well done!!