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


jim54
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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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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