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Hi looking for a bit of advice as we are stuck with what to do- had abbey mortgage from 2003 to 2008 my husband only remembers the same mortgage amount coming out account every month- this account is now closed. Santander say that ppi would not have been within the mortgage payment it would have been a separate direct debit. Does anyone know if it is possible for ppi to be in the mortgage payment or is it never that way? Thanks

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Hi

 

With mortgages the PPI can often be provided direct by an insurer and therefore would not feature in the monthly payment being made to the lender. It would run alongside the mortgage as a separate payment.

 

Have you got the agreement or have you sent a SAR to Abbey?

 

ims

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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

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3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

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5. Feel Bullied by Creditors or Debt Collectors?

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6. Staying Calm About Debt

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7. Thinking of a Full & Final Settlement?

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Will have the agreement tomorrow as it was sent to my mums. Its just when speaking with them they said it wouldn't have been in the mortgage payment as it was never done like that. I will wait and see whats in the agreement and take from there..

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Hi Ims.

Just looking through the offer conditions one thing I notice was

'we require you to pay a high value fee of @PREM which isn't refundable and will be taken from the loan money on completion. Therefore money sent to the solicitor will be the lower figure as stated in the summary' that fee was £2000, on the loan details it is listed as MIG. There is also a point which says. 'we recommed that you think whether you need to take out life cover to repay loan in event of death' any thoughts..

Edited by MrsAhmed
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Hi

 

MIG is I think "Mortgage Indemnity Guarantee" sometimes called "Mortgage Indemnity Fee". These are generally applied where the loan to equity ratio is high and helps cover the lender for any shortfall in the event of a forced sale I believe.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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No I don't believe so

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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