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Commitments Protection - and kensington Mppi


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Currently have a case with the FSCS that i am trying to do myself :frusty:

 

Started as something else but they wrote to ask for details of a mppi policy

 

. I am now trying to find information to submit to them but going round in circles.

 

Have been told by solicitors the cheque was made payable to Commitments but sent to the broker (who is declared in default with fscs)

 

Neither ourselves, the mortgage company nor the solicitors have any further details regarding policy numbers etc. as it was all done by the broker.

 

Interestingly i had a call followed by a letter from a Commitments earlier in the year (which i still have) saying to fill in the attached form. The form attached was for a Middleton solicitors.

 

A further search of Commitments gives me several addresses for them in the past 2 in Shrewsbury 1 in Redditch, 1 in Huntingdon

.

The original Mortgage Payment Protection was NOT on the mortgage keyfacts but the total advance provided to the solicitor and the solicitors completion statement included a £2500 for MPP. This was the fee the solicitors confirmed as a cheque to broker.

 

Are these companies one of the same? ie is the company we paid the £2500 to from our total mortgage figure the same company that were encouraging us to use Middleton Solicitors for a fee of 30% + vat?

I declined this and asked them not to contact me again.

There is a policy number on the pre-printed claim form.

Could this possibly by the original number?

Anyone had anything similar?

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We've seen similar before

Whereby you are encouraged to go thru their cmc and they take their share

 

Have you ever sent the mortgage company an sar?

 

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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Lost my last reply

 

Thank you for your reply.

 

I have spoken to the mortgage company (Kensington) who say there was no payment protection on this mortgage and they know nothing about it?

 

It was only out of curiosity and cheek that i called the solicitors they used because it was on their completion statement.

 

They said then no longer have records but do have a ledger which shows the date, who it was payable to and who it was sent to.

 

It may be worth mentioning that several years ago a claims company did request Kensington to look at the mortgage and it came back as no payment protection.

 

best wishes

mooo

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On God Kenny the fleecers .

 

You'll never get a. Straight answer out of them

 

Back later

 

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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not sure if you've seen these yet...

 

 

Hi

.

Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator

for treating borrowers who were in arrears unfairly.

.

Claim those charges back plus the interest and tell them not to add any more to the account.

.

There are a few news stories here you can get the info for a letter to send to them.

.

http://news.bbc.co.uk/1/hi/business/8615870.stm

.

http://www.fsa.gov.uk/pubs/final/kensington.pdf

.

http://www.theguardian.com/money/2010/apr/12/fsa-kensington-mortgages-fine

.

http://www.moneymarketing.co.uk/news-and-analysis/mortgages/fca-orders-kensington-to-change-unfair-mortgage-terms/2005762.article

http://www.mortgageintroducer.com/mortgages/236498/5/Industry_in_depth/Thousands_of_homeowners_set_for_big_mortgage_refunds.htm

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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Hi - would you be able to post up the policy number please - I'd like to see the format as I used to work for Commitments years ago - may be able to help.....also did they give you the name of the broker as it should correspond with part of the policy number?

 

Thanks.

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Hi - would you be able to post up the policy number please - I'd like to see the format as I used to work for Commitments years ago - may be able to help.....also did they give you the name of the broker as it should correspond with part of the policy number?

 

Thanks.

 

I would advise not posting any personal identifying policy/agreements numbers to the open forum.

 

Regards

 

Andy

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Many thanks for your replies

Thankfully in the years we were with Kensington we never had a late or missed payment of any description.

Very fortunate and blessed i guess. It was paid off and moved after 3yrs.:clap2:

 

Lovely of you to offer ccholland but as previously mentioned i dont actually have any policy or account number

or any paperwork with reference to a policy.

Neither my husband or i even knew we had it.

 

The broker (A2B) as previously mentioned, are declared in default so unable to contact them nowadays.

They did everything (yes i know, very naive)

They just sent everything with sticky notes saying sign here, here and here.

This was back in 2005.

 

I have all the paperwork relating to mortgage, solicitors, deeds etc etc but there's no policy, no policy number or anything else with Commitments name on.

 

When Commitments called and then sent the letter it has an account number on.

filled in as SP MPPI No. which starts ALSO00S, then the brokers name.

 

 

They were VERY insistent and kept calling us, roughly 10 or 12 times in a week from receiving a claim pack

and they were trying to set up a visit.

 

 

It just put me off and made me incredibly suspicious so told them i didn't want them to do anything.

I hadn't signed anything so please leave us alone.

 

A bit later and I know its naughty and it will probably be frowned upon but it was only because of this i looked at the paperwork in more detail.

 

It was only then i saw that on the Mortgage Offer there was no mention of Payment Protection whatsoever

and then looking at the Solicitors Completion Statement that i noticed the £2500 was only on the latter.

 

 

The figure advanced from Kensington was the same as what was distributed though?

Thats why i actually think it may be possible Kensington have no record of it?

Or am i doing my naive thing again? lol.

 

 

It was solicitor that Kensington used that gave me the information from their ledger of date, amount and who the cheque was made payable to.

 

I just don't know who to ask for the details this policy so that i can submit it to the FSCS.

If i use the number thats on this claim form Commitments sent the FSCS are going to ask me for a copy of the policy which i don't have.

 

The help is appreciated

Best wishes

Amanda

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should wish to PM ME I will fwd the info to CH..

I my mind you DO have MPPI

and its being hidden from you.

 

 

pers I'd be phoning the FOS on this

or even the ICO

as details of the policy are being withheld from you because they want you to use their approved CMC?

 

 

that is VERY VERY WRONG.

 

 

go complain on the phone and ask what you need to do to get the info released to you and by whom.

 

 

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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May I ask how you know that a2b are in default as I believe they are still trading?

 

Their fca number is 300107 and their contact details can be found on the fca register under that reference - they are a2b mortgage company and I remember them......

 

To be fair as well if it is a policy from 2005 then the insurer would have been Am Trust International

- their current fca number is 203014

- it may be worth a phone call to explain your dilemma and ask if they can trace a policy for you?

 

Amtrust international.com

 

Or was it a2b homeloans?

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sorry yes it was A2B homeloans :sad:

 

I think it's probably too late to go to the ICO as the FSCS are involved? They wrote to me after I submitted a form regarding A2B to say they had discovered there may be ppi attached and to complete the new form and return within 2wks.

The information I am looking for is to be able to complete their form but obviously I'm at a standstill because I'm clueless who to contact to acquire it, hence my going round in circles comment.

 

Mooo

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Morning,

 

 

If it was A2B Loans and it was 2005 then the Insurer would still have been Amtrust. I would go to their website: amtrustinternational.com and look for the 'contact us' section.

 

 

Use whichever method you wish to make contact with them, explain your predicament and see if they can help. They may still have archive copies of the underwriting bordereaux which would have been provided to them with details of all live issued policies on. You will have to give them as much personal info as you can from that time, ie full address, name(s) if joint cover, dates of births, total premium, etc. Mention Commitments Protection who they may have as Lawcost Underwriting.

 

 

Good luck.

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'It was solicitor that Kensington used that gave me the information from their ledger of date, amount and who the cheque was made payable to.'

 

 

Just a thought as well re this statement you made earlier - would there have been a reference number on their ledger as this may relate to a policy number as well?

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