RBS - PPi and life insurance on same claim?

[dx100uk]

its all ppi in a way one claim.

 

dx

 

[dx100uk]

I would suspect if you scratch the surface all were paid to the same ins co.

its extremely rare for any mortgage agreement with multiple add-ons and PPI not to be so.

 

i'd lump everything together as one PCMPPI% figure and treat it all as PPI..

though it might simply pay you at this late stage [12 days to go]

to simply use the relevant mortgage providers website PPI reclaim link an wack on a simple claim now

then worry about the nitty gritty and calcs later

 

simply state you mis sold me PPI+LIFE etc etc 

[dx100uk]

is their simply not an online portal to register the claim now?

 

[dx100uk]

ok looks like that's what you need to do.

but keep it bare bones for now as post 5

 

[dx100uk]

Same for both

[dx100uk]

id not expand on what you have.

that will come later.

 

just say ppi/associated insurances.

 

don't say advised, say I was told they were compulsory for my situation and type of mortgage

[dx100uk]

just say ppi/associated insurances.

 

I was told they were compulsory for my situation and type of mortgage

 

why are you not getting things after all this time?

is 'life assurance' PPI ... no!! so don't tell them..paint the impression that other were bolted on to the PPI else you'll only get the PPI back.

 

simply reply as I have stated and wipe out elsewhere if you said about the other insurances being life or whatever

they are NOT PPI so if you label them such, you cant associate them into a PPI claim. and you wont get a refund on them

please be careful upon words used throughout you submission

 

 

 

 

 

[dx100uk]

but life ins is not PPI so...??

the fact that you had life ins is totally irrelevant to a PPI claim at this stage

 

click the red check on their form link above.

use that

[dx100uk]

You cant reclaim those alone. They are not ppi

[dx100uk]

only credit card ppi/charges are compounded.

if you've not already registered a claim for the MPPI/life ins (PPI in sheeps clothing) it is now too late sadly

[dx100uk]

check their data...

if you haven't got it ask for the data they used to calculate your refund.

[dx100uk]

rubbish

[dx100uk]

23 hours ago, NGEddie said:

When I mentioned this on the phone the woman quickly said 'we dont do life insurance' but this is life 'assurance' and was told I must have it!

 

it was not an endowment mortgage!! so it's PPI.

[dx100uk]

you have already started a PPI reclaim, it should be included in that.

you cant start a new claim as new claims are now time barred..

 

you need to make it clear to them, that it was NOT an endowment mortgage so there was NO requirement for a life assurance policy, so whatever it is , it was missold protection.

[dx100uk]

why not simply say...

 

My mortgage was not an endowment mortgage , there was no requirement to have any insurances, whatever their name.

please refund all insurances , they were all a form of payment protection.

 

 

[dx100uk]

what about the papertrail if you have to goto the FOS?

 

 

[dx100uk]

I wrote to you on xxx august 2019 wanting to reclaim the numerous compulsory protection policies you made me takeout in year concerning

 my mortgage agreement number xxx dated xxx.

 

you replied in letter dated xxx concerning a payment protection policy but appear to have failed to address the RSA Life protector decreasing term assurance {policy number xxx) which transferred from RSA to Aviva in 2011, which I point out i am is still paying to date, within your above ref'd offer letter.

 

i should not need to point this out, but, the Mortgage i signed upto was not an endowment policy, therefore there was NO legal requirement to have, nor should you have made, either policy compulsory. The only beneficiary was yourselves through ultimate direct payment should I die settling your mortgage sum.

 

please address this issue 

 

 

[dx100uk]

wasting money by using recorded is not needed on most letters 

[dx100uk]

simply tell them on the phone writing only sorry as I might want to escalate this to the fos or court.

sorry but no speaky..speaky

 

you night find this interesting?

 

https://www.theguardian.com/money/2012/jun/09/life-insurance-misselling-aviva-hamilton-life

 

dx

[dx100uk]

both 

[dx100uk]

we keep going around and around in circle eddie

 

you have already put in a complaint encompassing this insurance in time.

this is just firming things up.

 

 

[dx100uk]

On 10/10/2020 at 20:17, NGEddie said:

From now, I know this life protector started at a few years after the loan and mortgage PPi and know they said I 'had' to have it. Guess I write to this other department saying believe was also mis-sold like the others?

 

typically with most lenders say like welcome finance etc, they were all sold together and in the past, they have all been refunded together.

it seems from the above that the life might have been later, though probably signed up for at the same time.

 

can't see any harm in going for mis-sale sep then if this is the case, you have proof you launched it before any deadline, but of course as they are saying it's not PPI , then no deadline can apply...this could be interesting if they say the deadline has expired..

[dx100uk]

doesn't matter really..eitherway you've covered yourself

 

if they claim a cut-off, which doesn't apply as they are saying it's not PPI you've met it anyway...

 

if they accept your complaint then there's evidence it was mis-sold, as the PPI was mis-sold and refunded, so must the life ins as it was all done at the same time. there is very little eligibility criteria difference between the two 

[dx100uk]

1 hour ago, NGEddie said:

therefore there was legal requirement to have,

 

[dx100uk]