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jim54

Coventry BS sold me mortgage PPI after we had paid off mortgage

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Hi, am new to this forum and would really appreciate some advice, sorry if its confusing

 

Paid off Coventry BS mortgage in May 2007. We've just received an annual statement from them (October 2012) showing how much we have paid in MPPI, which it says we took out with them in November 2007 paying a monthly premium of £23.87. Coventry says in the letter the policy is underwritten by Aviva.

 

 

At the same time (November 2007) i applied for life insurance with Aviva who we have endowment policies with. They checked my medical records and i was accepted and began paying my monthly premiums of £23.87.

 

I have recently written to Aviva about this, as yet no reply.

 

I wouldn't have taken out MPPI and Life Insurance Cover at the same time so is it possible there has been a mix up somewhere?

 

Any help very gratefully received.

 

Forgot to say, this is the first correspondence from Coventry about this, when i rang them they still had our old address on their system.

Edited by jim54
forgot some info

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hi jim

 

time to get reclaiming!!

 

me thinks!!

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks for reply.

 

Is it possible there could have been a mix up? Can i reclaim premiums? Not sure if it's Coventry or Aviva at fault.

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whomever you pay or sold it to you.

 

and YES

 

if its mis-sold, you should get it all back + interest

either at their rate [they have charged you]

or

8% stat county court rate.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks again, I pay the direct debit to 'Aviva Life Insurance'. Have all ready written to them about this, will wait to hear.

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UPDATE!

 

Received letter from Aviva to say the life insurance policy was never taken up!

 

They asked to see my medical records and then offered life insurance to me and i began paying premiums.

 

I did not want nor ask for MPPI,

 

didn't know i had it until i received the letter from Coventry a few weeks ago.

 

Is it possible to make a claim for mis sold MPPI even though i didn't know i had it?

 

Thanks

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yes ofcourse you can.

 

the mortgage advisor would have got a nice commission for selling that too!

 

have you got dates for ALL the payments?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi, thanks for the reply, yep got all the dates, check my bank account regularly so saw premiums being paid monthly.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

if they have charged MONTHLY interest then the last sheet

 

but prob the first one.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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