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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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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:

PyongyangKipperbang · 11/12/2018 13:15

BTW if you act all outraged that they are asking you to pay when you didnt authorise anything and are going to demand to see all their paperwork, you might find that he suddenly backs down. Will be fairly obvious then if he forged your signature and was planning to keep it all.

Fluffycloudland77 · 11/12/2018 13:15

You didn’t sign to say you’d pay anything so I wouldn’t pay. I bet he ticked a box to say you consented or forged your signature.

Greedycushionhoarder2 · 11/12/2018 13:19

To ask the posters saying the company should have taken the fee first it does notwork like that, the banks can only peau out to the account holders, they can not pay it to the company putting the claim in as they are not the account holders, when I made my claim I received the full amount and then an invoice which I had to pay out of the refund. Still with doing though as is used the template letter and been refused.

Original poster

ZacPosenatemyhamster · 11/12/2018 13:24

I wouldn't leave him to pay the full amount, that would be unreasonable and unkind. But if he's only liable for the 36% of his half I'm not going to hand over almost £500 without questioning it. That would be daft

I have asked him for a copy of the letter from the claims company

OP posts:

mummmy2017 · 11/12/2018 13:35

Who gave them your bank details?
Why have you not signed anything?
Friends ex did this, she got a letter saying there was money...

frasersmummy · 11/12/2018 13:40

I dont see why you should pay for a service you didnt sign up for. If you didnt sign a contract then you are not liable.
But I dont understand how they have your bank details without your knowledge.. would your ex have given the company them.

worst case scenario I imagine would be you would repay the money to whoever the provider was and then claim it back comission free by yourself

but if your ex forged your signature you could be in a for a whole world of pain trying to prove you didnt request this

Original poster

ZacPosenatemyhamster · 11/12/2018 13:43

mummy I still bank with the company the PPI claim relates to, so I guess it was easy to find me.

I didn't sign anything, reading this I'm wondering if he forged my signature.

I did have a letter, I foolishly haven't updated my address at the bank and it went to my old house.

OP posts:

Candy43 · 11/12/2018 13:46

So you’ve got a large sum of money thanks to a ppi firm acting under your husbands instruction. Yet you want to leave him to pay the full commission. Which is what will happen if you don’t pay half. That’s a bit shitty and grabby imho.

Original poster

ZacPosenatemyhamster · 11/12/2018 13:55

candy I'd love for you to cut and paste where I said that I'd leave my ex to pay, that would be really helpful

OP posts:

Candy43 · 11/12/2018 13:58

You didn’t but it will be the consequence of you not paying which is what you are asking about.

AnchorDownDeepBreath · 11/12/2018 14:09

They can't take the commission out upfront if it's a joint payout. They have to split it and it be paid to the claimants; who then pay the PPI company according to the terms of their contract.

You can ask to see the contract. If you didn't sign anything; your ex is likely to be legally liable out of his half; unless he acted on behalf of you. The letter you received may have detailed whether this was the case.

Their payout will be 36% of everything; I'd imagine.

Original poster

ZacPosenatemyhamster · 11/12/2018 14:18

candy no I didn't, but I did specifically say I wouldn't leave him to pay the full amount if you care to RTFT

OP posts:

notacooldad · 11/12/2018 14:21

I dont see why you should pay for a service you didnt sign up for. If you didnt sign a contract then you are not liable.
In that case why should she receive money from the service when she hasn't searched got it?
Sure she is entitled to it but she hasn't done anything to actively get the PPI claim, the ex has, but she is happy with it in her bank.
Personally I would be checking what has or hasn't already been paid in commission. If commission is still to be paid, split the difference and enjoy your windfall. What ever it is it's a 100% more than you were expecting.

Candy43 · 11/12/2018 14:36

Did RTFT thanks. Youre picking at semantics. You’re asking if you’re liable for paying it and if they’d take it from him then making positive noises that you don’t see why you should pay.

Well if you don’t where do you think they’ll turn. To him who signed the paperwork obviously. So it amounts to the same thing.,

FestiveNut · 11/12/2018 14:50

To me, it's his fault as he should have spoken to you about it first. Then you could have claimed the money independently of ppi companies and both saved your 36%.

FunshineCareBear · 11/12/2018 14:54

I wouldn't. I would have claimed it myself not got someone to do it for me. His choice he can pay.

FestiveNut · 11/12/2018 14:57

funshinecarebear said it better than me.

Original poster

ZacPosenatemyhamster · 11/12/2018 14:59

I asked the question because it wasn't obvious to me. It's possible that because I don't have a contract with them they're not entitled to 36% of my half (from either of us) . If I paid over almost £500 without questioning it I think that would make me either wealthy or stupid candy

Waits for replies telling me I'm stupid

OP posts:

bellabasset · 11/12/2018 15:27

I wonder why your signature wasn't requested by the company unless they weren't aware that you'd split and you only needed one signature on the joint account.

From your post it sounds as though the bank transferred the money into your account directly. I would wait until the company ask you directly for their commission. Your ex has proof of what he received.

mummmy2017 · 11/12/2018 15:39

Check your bank has not just paid you out...
Nothing to do with the claim firm.

ny20005 · 11/12/2018 15:48

I wouldn't think they needed a signature. Most ppi requests can be completed online. I did all my dh's for him

I would definitely ask for a copy of the paperwork 36% each seems rather a lot 🤔

Whocansay · 11/12/2018 16:08

My PPI requests needed a signature. They also needed DH's for anything joint. I'd want to know how they got yours. (We have to pay 24% commission if they find anything).

I would probably pay if I saw some paperwork, but if you haven't signed an agreement, I doubt they can make you.

smartcarnotsosmartdriver · 11/12/2018 17:40

If it were me I'd say I'll pay the charge but I'll only pay it directly to the company that way you can be sure that he's not having you on. I work with similar claims and they are usually paid straight to the CMC and then once they have taken their fee paid on to the customer.

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