Active discussions

Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

Talk
AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

AIBU to refuse to pay PPI commission

48 replies

ZacPosenatemyhamster · 11/12/2018 12:33

A large lump sum of money appeared in my bank account last week. On investigation it transpires ExH went through a PPI claims company and because it was a joint loan we received 50% each. Happy days
Except he's now told me we each owe the company 36% of the payout (almost £500 each). Am I liable if I never signed up to the claims company? Will they ask him for 36% of the total amount?
It's money we weren't expecting and we'd still be better off but I begrudge paying them for what probably amounted to posting one template letter

OP posts:
Peridot1 · 11/12/2018 12:37

He will have signed up to that agreement so is liable. And I would split it as you wouldn’t have had it otherwise.

Although as he hasn’t mentioned it I wonder if he realised you would automatically get half.

Onlyjoinedforthisthread · 11/12/2018 12:38

Well you should have sent your own letter, but couldn't be arsed now your ex sorts it and you think you should get the money and he should pay. He has had a lucky escape

hazell42 · 11/12/2018 12:39

You are being greedy. Your exH applied for the PPI. If he hadn't you'd have nothing. Why should he pay the fee by himself.
64% of something is better than 100% of nothing. Pay the fee and enjoy your windfall

BillywilliamV · 11/12/2018 12:39

Suck it up, you've still got £700-ish pounds that you weren't expecting.

Concernedaboutgran · 11/12/2018 12:39

They're entitled to their costs. Pay it.

itsalmostfriday · 11/12/2018 12:40

What kind of authority for enforcement do these companies have?

DollyPomPoms · 11/12/2018 12:40

Why would the commission not be taken before the money transferred? Surely they then run the risk of everyone refusing to pay it? I would be asking more questions of your exH!

Brandnewshit · 11/12/2018 12:40

Wouldn't the company take the fee before paying out?

TheDarkPassenger · 11/12/2018 12:41

I think you’d be tied in to this one sorry!

Autumnsunrise · 11/12/2018 12:41

I think contractually the company should have asked your permission to proceed with the claims. But it will be a whole load of hassle and expense to contest it. So just pay the 36%. And if your ex didn't realise you'd get half, bonus!

TheDarkPassenger · 11/12/2018 12:41

Tbf they do usually take it out first as pp said^ I’d be making sure you aren’t just giving your exhb £500 for keepsies

Brandnewshit · 11/12/2018 12:42

Snap Dollypompoms.
Surely they would take it before.
Ask to see a copy of communication with them.

Autumnsunrise · 11/12/2018 12:42

Yeah definitely check with the company.

ErickBroch · 11/12/2018 12:43

Would double check the amount as ExH could be lying, but obviously you should pay commission... you didn't have anything before, did nothing, and now you will get around £700 without having to lift a finger...

Disfordarkchocolate · 11/12/2018 12:44

Just check first that the commission hasn't been taken already. I would expect any payout to be made after any commission was deducted. It's it's all above board I would pay after I had seen the terms of the original agreement.

Nicknacky · 11/12/2018 12:45

I got sent a check directly from the companies that owed me then I had to pay the ppi company separately.

Nicknacky · 11/12/2018 12:46

Cheque! What is wrong with me!

mummmy2017 · 11/12/2018 12:47

Since you never signed anything, not sure they can charge for your half...
Ask on the Martin Lewis site.

ShalomJackie · 11/12/2018 12:47

Ask to see the contract your exH signed. It is possible that he signed a contract stating that he would pay 36% of what was recovered for him. This would mean that they do not get commission on what was recovered for you.

Also it is possible that the PPI company paying out already paid the "commission" element direct to the recovery company whether that is just a proportion relating to his share or to both shares.

In any event I would not hand over cash until I had checked this. If it is a contract that he signed that related to 36% of everything recovered under the claim and they haven't already had their commission in that case I would be gracious enough to stump up half of the commission and look at the balance as a windfall I wasn't expecting.

ThePinkOcelot · 11/12/2018 12:48

Well you didn’t send a template letter did. You’re happy to accept the money though. Yes you are being unreasonable!

HellenaHandbasket · 11/12/2018 12:52

When we did ppi we got the whole amount and then paid commission, seems quite standard

Alfie190 · 11/12/2018 12:56

I just applied. They sent me a bill for the commission. For the joint loans, they required both signatures though, so I don't understand whatnot this occurred without your knowing.

But regardless, you you are being a CF to not pay the commission.

FestiveNut · 11/12/2018 13:12

I'm going to disagree with the majority here. No one needs to use a ppi company to claim money back, it's very easy to do on your own. I'd argue that just because your ex husband got drawn in by said company doesn't mean you need to pay for it. You were entitled to the money anyway.

PyongyangKipperbang · 11/12/2018 13:13

I disagree with most that you shouldnt pay the commission if you didnt agree to them persuing the PPI. Could he have forged your signature and have been hoping to keep the lot himself?

I would be doing a bit of digging before agreeing to pay half of the costs, if he was planning to stuff you up on this then he could go to hell and pay the lot himself.

GabsAlot · 11/12/2018 13:13

dont know how he done without your permission but you got an expected amount of money which u woldnt have had he not done it so just pay up

my sister got a cheque then a seperate invoice for the comiision they dont automtically take it