Is the fact that we won our claim for having been missold an endowment mortgage relevant with regard to our claim for PPI for the same mortgage?
We complained to YBS re 2 mortgages,
the first, the endowment mortgage from 1989-2001,
the 2nd a repayment mortgage which ran from 2001-2004.
My husband became self-employed in 1996 but I doubt he told YBS this until we moved to the repayment mortgage in 2001.
YBS agree that we had reason to complain regarding the PPI we were charged on this mortgage & have sent a cheque.
However, although they mention that this includes interest of 8% for premiums paid on or after 1st April 1993, & 15% per year for premiums paid before 1st April 1993,
they appear to have ignored the question of repayment of premiums from 1989-2001
(these were around £48 per month, whereas on the repayment mortgage, they were £24.10 per month).
We are considering referring our complaint to the FOS, as YBS seem to be ignoring our complaint re the endowment mortgage.