I made a claim on my PPI mortgage insurance and was told that because my property was occupied by my nephew after I moved into my Mum's home (our family home) that he is not classed as a close member of family.
I received the response in the post and they pointed out the following:
Mortgage Agreement - your mortgage agreement with Santander or any other lender on residential property, which has priority over any other charge on the property. Residential property means a property permanently and solely occupied by YOU and YOUR IMMEDIATE FAMILY as your main home.
Immediate Family - YOUR spouse, civil partner, live in partner, children and parents.
How come a 'live in partner' is classed as a member of my immediate family and my blood relative (i.e. my sister's son) does not fit this criteria.
Also, I first took out my mortgage via a mortgage broker, the mortgage was with Abbey and the PPI insurance with another company. Santander bought out Abbey and obviously my mortgage. I have no way of finding out what the original terms of my PPI insurance were with the previous provider (nor their name). Surely Santander should abide by the previous terms and conditions.
My main concern is that a 'live in partner' is classed as 'an immediate family member' and not a blood relative i.e. my nephew!!
ANY ADVICE PLEASE????