Can I claim PPI on mortgage?

A question about : Can I claim PPI on mortgage?

I have finally decided to make a claim for my mortgage PPI.
It is nearly 20 years I have been paying the premium and as this payment was simply rolled into my mortgage payment I think I have a case.
The article talks about getting your payments back +8% interest.
Any idea how this is calculated?
Having got a calculator out the difference between payments plus 8% and each years payment plus 8% for each year is massively different!

I have been redirected to this forum from the main PPI forum as the person on that forum believes that reclaiming PPI payments connected to a mortgage is different from loan PPI. I hope someone can give me some guidance as I believe I was missold this in exactly the same way that loan PPI appears to have been sold.
My mortgage lender (Halifax) have acknowledged my claim and will be contacting me in the next week. But I am unsure whether this administrator has any idea about the difference between mortgage PPI and loan PPI. looking forward to hearing any comments.

Best answers:

• Thanks for the comments, as it helps me understand where I stand on this.
  Quote:
• Hi, I've also been redirected from the main PPI forum.
  We took out a joint mortgage with Chelsea building society in 2000 and moved it from them in May 2008.
  I have statements showing premiums for ASU/Redundancy cover which were added each year and payments spread out over the year, it's added on to the mortgage payment along with the property insurance.
  My husband arranged it over the phone but can't remember what was said about PPI or ASU, but when we transferred the mortgage we realised that he had sufficient cover through work, and we don't need it.
  We don't have the agreement, and when we sent a letter asking for a copy we got the reply "your mortgage was not executed under the Consumer Credit Agreement and therefore we are unable to supply the information you have requested", with the return of my Ј1 cheque. They included a copy of the Offer of Advance (4 pages) which don't mention the ASU.
  Should we make a claim?
  Thanks to anyone that can help
• Please can someone give me a bit of advice.
  I have a mortgage with Woolwich/Barclays, and I would like to know if I have PPi on the mortgage.
  Is there a letter/template that I can send them?
• Hi all
  I've just completed a form to reclaim PPI on my mortgage. Not sure if we will be successful but my friend just received Ј5400 on hers after a friend of her just got Ј13k so thought it's worth a try?
  Its with Norwich & Peterborough, wonder if anyone else out there has had any success with them?
  My hubby is and was self employed at the time so we are going along the route that it isn't worth diddly if you are self employed.
  Also my hubby is gonna try to reclaim PPI on his Barclayloan and Barclaycard on the same basis. Any success stories here? His loan is still running with barclays so he is more than happy to use it to pay back the debt if he is successful.
  So many success stories on here, just hope we can add to this list and thanks to so many people who have commented on this site, it's amazing
• My friend just received Ј5400 back on her MPPI from Halifax, they have a link on their website and she said it was so straightforward it was unbelievable. Had look myself and it is very clear and easy to understand. She received her cheque within 5 weeks so its worth a try - good luck
  Message from BURDEN007 below (don't know how to do the quote thing sorry!)
  ''I have finally decided to make a claim for my mortgage PPI.
  It is nearly 20 years I have been paying the premium and as this payment was simply rolled into my mortgage payment I think I have a case.
  The article talks about getting your payments back +8% interest.
  Any idea how this is calculated?
  Having got a calculator out the difference between payments plus 8% and each years payment plus 8% for each year is massively different!
  I have been redirected to this forum from the main PPI forum as the person on that forum believes that reclaiming PPI payments connected to a mortgage is different from loan PPI. I hope someone can give me some guidance as I believe I was missold this in exactly the same way that loan PPI appears to have been sold.
  My mortgage lender (Halifax) have acknowledged my claim and will be contacting me in the next week. But I am unsure whether this administrator has any idea about the difference between mortgage PPI and loan PPI. looking forward to hearing any comments.''
• Thanks dunstonh
  He gets 6 months full and 6 months half pay, but because it was regular premiums does that mean we shouldn't apply?
• from what i remember, some Halifax mppi policies could pay out for up to 24 months, significantly more than 6 months full sick pay. most were just up to 12 months.
• We are making a claim against Barclays for a policy that we believe was mis-sold. This dates way back to 1999. My husband is one of 4 taxi drivers who clubbed together to buy the taxi business from the owner who was going to sell it to a competing firm. They continued to rent the taxi base from the previous owner for a few months but then decided to buy the building from him too.
  The mortgage was for 20k repayable over 3 years.
  *Life cover was a condition of lending. I understand that this is not a reason for a miss sell claim. However they were given a life insurance policy for 30k EACH over 5 years as this was the minimum they would do?? They were paying premiums for 120k of life cover for a 20k mortgage- is that right?
  *One of the 4 partners was not a borrower on the mortgage because of bad credit history but he was still made to have the life & cic policy???
  *On the fact-find questionnaire one of the questions asks if they are interested in critical illness cover. If not now then review in 6m or 12m. They said 'NO' to this but the policy sold to them was some sort of business protection plan that included critical illness cover.
  These are the reasons that we have used for the claim. I would welcome anyones opinion on our chances. I will update when we hear anything back xx