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.

nickjohn

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Post by nickjohn » Mon Jan 18, 2021 10:54 pm
Tue Nov 03, 2020 3:23 pmdeb628 wrote:
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
Hi, I just wondered how you got on with FDM.
Were having a similar issue at the moment, our IVA finished 2016, comp cert received in 2017, end of 2020 we got a note from the bank about a PPI claim being paid to Aperture.
It appears that FDM have done the PPI claim without our authorisation as theyve been told by Aperture to do it.
We've never given anyone authorisation to make a PPI claim and FDM say they have never asked for our authorisation only our assistance and as we never gave any assistance they went ahead anyway.

Cheers Nick

deb628

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Post by deb628 » Thu Feb 25, 2021 11:10 am
Hi Nick
FDM have given the information about what ppi claims they are chasing and I mail once a month to see if they have been successful in the outstanding claims they are chasing (nothing else as yet)
The lady I contact is very helpful but as I said anyy problems you have to go through iva trusts at apeture who although answer are not very forthcoming with information and tend to fob you off you have to keep pestering them

lifenoteasy

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Post by lifenoteasy » Thu Feb 25, 2021 12:32 pm
It's about time the banks starting saying no to these companies - you would then find they were bluffing their way through, rather than having a leg to stand on.
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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