Mortgage protection insurance

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Kathleen.02

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Post by Kathleen.02 » Tue Nov 03, 2020 9:20 am
I completed my Iva in 2014. In 2019 I received forms from first dispute management asking me to complete letters of authorisation to allow them to investigate ppi claims even though this had already been done by a previous claims company. I ignored the forms on the basis this has already been investigated. I have now found out they have sent an enquiry to my bank re my mortgage protection insurance - note my mortgage still has 7 years to run. I didn’t give them permission to do this but have been advised the IP (grant thornton) have given the claims company authorisation to act on this And investigate ppi claims. Is this legal and what recourse do I have - if the complaint is upheld my mortgage protection insurance will be cancelled and i do not want this

Foggy

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Post by Foggy » Tue Nov 03, 2020 9:48 am
First I would inform the bank that this enquiry is being made without your permission and should not be acted upon.

What authority they do have depends on what authority they have been given and what you might have (even unwittingly) already signed.

Back in 2014, just as GT became Aperture, you may recall the "Spotty Letter" saga -- where they issued letters of authorisation and changes of Ts & Cs, in white envelopes decorated with large purple spots --- did you ever sign one of these ?

General info here: https://firstdisputemanagement.co.uk/aperture-iva/

You are, of course, free to pursue a formal complaint with FDM : https://firstdisputemanagement.co.uk/co ... procedure/
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

deb628

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Post by deb628 » Tue Nov 03, 2020 1:48 pm
I remember the spotty letters we did not sign them as our fand f had already been accepted we haven't given any one since slater haywood law any authority to claim any thing back on our behalf yet first dispute say they don't need our signature the ip has instructed then

Foggy

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Post by Foggy » Tue Nov 03, 2020 2:27 pm
Tue Nov 03, 2020 1:48 pmdeb628 wrote:
I remember the spotty letters we did not sign them as our fand f had already been accepted we haven't given any one since slater haywood law any authority to claim any thing back on our behalf yet first dispute say they don't need our signature the ip has instructed then
I would ask FDM for the name of whoever instructed them and then ask that person to tell me under what authority they instructed FDM and provide copies of such authority.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

deb628

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Post by deb628 » Tue Nov 03, 2020 3:23 pm
Thanks I have a lovely lady at fdm who has given me information will give her a ri g and let you know the outcome

lifenoteasy

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Post by lifenoteasy » Wed Nov 04, 2020 8:32 am
Assume this was counted as legitimate expenditure during your IVA so not sure how it could be investigated now, as that would mean them having to do a complete review of your closed IVA.

Also consider complaining to the Information Commissioner on the basis that they have been processing your data without your knowledge.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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