Britannia Mortgage PPI

[suzysmarty]

Hi wondered if anyone could help.

 

Had a mortgage with Britannia in 1996, and had PPI, it was a tick box (done by the sales not us) and not signed for seperately just at the end for the whole mortage.

 

We have no recollection of this, although it went out seperate by DD (although we also had Building Insurance from them, and assumed it was this)

at the time my other half worked for BP and got 2 months pay for each year worked ( had been ther 7 years then so over a year in pay)

 

He also had £35k in a share scheme (which they have noted on the form) and a substantial bonus on top of income (which they noted on form) .

 

I too was working (teacher) we had no dependents.

 

The policy was only on him and I don't know why, maybe as he was first applicant.

 

The policy states that he must have been getting unemployment benefit to claim on the policy,

but as I understand it Unemployment benefit was means tested (pre Job seekers allowance) ,

and with a substantial redundancy payment and the shares (which would have all been released on redundnancy) i doubt we would have got it.

 

I am totally sure we were unaware of the policy as 2 months later we took out a life and critical illness cover.

 

Britannia are wriggling saying that it would have been additional to any payment he got through work, but I am not sure this would have been the case.

 

I have a copy of the policy, (not the schedule) and the mortgage application.

 

There is no other seperate paperwork relating to the PPI. Any help please.

[dx100uk]

matters not if it was extra to any money he already got.

 

the matter here is it was stealth.

 

pers i'd get that life back too

 

there is not compulsory remit to have any ins on a mortgage other than buildings.

and if you've goth at elsewhere, that too is mis-sold.

 

dx

[suzysmarty]

Thanks.

 

They are claiming that we knowingly took it.

 

But with a good redundancy payout it seems ludicrous.

 

Also I can't imagine why we would have then taken out life and critical illness 2 months later if this were the case.

 

We did take that life and CI cover knowingly, although I had health issues and I doubt it would have paid out on me anyway (but thats a seperate company)

 

In shares and assets alone we could have virtually paid off the whole mortgage, so i no real financial danager.

 

The only other debts we had was a renault Clio on zero percent finance.

 

My view is that it is doubtful that we would have been eligible for Unemployment benefit and the policy states

"when you are not registered with the Department for Education and Employment and not in receipt of unemployment benefit"

 

The policy was 1996 (aug) but Job seekers came in Oct 1996 (not totally means tested)

but i can't find anything that says Unemplyment was means tested and what the limits were,

but even with £35k of shares i'm sure we were over)

 

Beacuse it went out as aseperate DD we should have known, but quite clearly we didn't.

 

Also we had an endowment in place from 1989 and I think it is possible we had some illness cover with this.

I think we must have been insured about 3 times over !!

[dx100uk]

yea this is theway it normally rolls out

 

it might well be better to show us the letter tennis you've had.

 

you've certainly got a case to get the lot back IMHO.

 

but lets get our ducks inline first.

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

DO NOT USE ANY PDF EDITOR TO BLANK STUFF, THAT CAN BE REMOVED

*************************************************************

DO IT IN MSPAINT.EXE or any photo editing program

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[suzysmarty]

K might need teenage daughter to help...lol.

 

I am currently getting contracts of employment etc, that will outline redundancy package.

 

They sent a 2 page letter full of errors.

 

claiming we would need it because we would be in hardship...

err HELLO even though they put athe bonus and shares on the form.

 

Also say they have a seperate signed schedule, so I said okay send it,

also phoned to say not had it,

 

apparently note on file that they don't actually have it (even though they say it is enclosed ...what they enclosed was a signed mortgage document)

with sheet in the middle with tick box for Buildings insurance, and a for your peace of mind.

... tick box clearly not our tick (husband is left handed and writes like a 5 year old)

 

Whilst flexing brain..

 

.also looking at PPI on 1989 Abbey National (santander)

we know we had it (underwritten by Aviva..although they say first payment March 1993,

which I don't understand, don;t remember taking it later)

 

We both had graduated 2 months before mortgage taken out, but cant understand by a couple of years later.

 

I do remember being told by Abbey that we needed negative equity insurance to cover them if house was repossesed,

could this have been PPI or did that really exist.

 

Very little paperwork...

 

Bob hope or no Hope ?

[dx100uk]

start a sep thread for the santy one please.

 

can you also try and add BLANK LINES and sentences when you post

 

i've edited your last two posts myself

 

i bigblock of text is rather daunting to read through.

 

we'll await the docs to appear

 

but PLEASE

 

follow the guide

 

dx