Northern Rock MPPI Can I claim?

[Spitfire]

Took out a mortgage in 2001 with Northern Rock.

 

When the mortage was taken out they told me I had to have life cover for the term of the mortgage,

which I did (and still have) It's a decreasing one.

 

Once all the mortgage stuff had gone through I got a letter from the Solicitors with my completion statement in it.

 

On this statement there is a MPPI premium on it of £2835.00.????

 

I can't find anything in my Northern Rock stuff saying anything about it.

 

But it is there in black and white on my Solicitors letter.

 

How do I find out where this money went to?

 

As It was added to my mortage and can I claim it back.

 

I do recall asking my broker at the time why it was on there and he said it was something I had to have.????

 

I have since moved mortgages.

 

Thanks

[dx100uk]

either SAR them

 

or contact NRAM

 

they seem to be the PPI dept that deal with Nrock claims.

 

dx

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?339820-NRAM-have-written-to-me-asking-about-my-PPI-**WON**&highlight=NRAM

[Spitfire]

Thanks for your reply:-)

 

I've read that thread and I sent off an SAR (recorded delivery) today to the address mentioned in the thread you quoted. Woop woop! I've done something right then!

 

The problem I have is that I really do not know where the money went as all the stuff I have from Northern Rock does not mention the MPPI. I also took a loan with it but it's not on there either. Just hope I get something concrete back from them.

[dx100uk]

let hope!

 

they seem retty good from what i've read

 

dx

[Spitfire]

40 working days are up on tuesday and I've not heard a word from them???

 

What happens next please?

[dx100uk]

has the cheque/PO been cashed?

 

dx

[Spitfire]

has the cheque/PO been cashed?

 

dx

 

Nope.

 

I have checked the recorded delivery page and it was signed for the day after I sent it.

[dx100uk]

time to give them a ring me thinks then

dx

[Spitfire]

time to give them a ring me thinks then

dx

 

Don't suppose you know of a number to call?

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?339820-NRAM-have-written-to-me-asking-about-my-PPI&daysprune=-1#post3735046

[Spitfire]

The telephone number quoted on the thread is for NRAM and I've sent my SAR to Northern rock, head office.

[maroondevo52]

The telephone number quoted on the thread is for NRAM and I've sent my SAR to Northern rock, head office.

 

Phone Northern Rock Head Office.

[Spitfire]

Update:

Called Northern rock, NRAM and explained I had sent them a SAR back in July.

 

They said they had replied but would send another letter out that day.

 

One month later I'm still waiting for said letter.

 

I rang them again today.

 

Explained I had now been waiting nearly three months for a reply to an SAR.

 

they appologised and said they would send out the letter again.

 

I've double checked the address they hold for me and it's all correct.

 

Any advice on how long I give them and what to do if I still do not recieve anything?

[ims21]

40 days is the time allowed for compliance of a SAR.

 

If it were me I would consider issuing a "Letter Before Action" and issuing in court to force compliance