PPI -12 Mortgages -6 Credit Cards & 5 Banks

How do I make a PPI claim without knowing all the information , Can it not be seen on my credit history ? So is there a Low Fee Company that would help me with the claims ?

Whether you paid PPI or not is not in the public domain. You would need to approach each lender and ask them (assuming you used the lender to buy the product and not a third party). Claims companies do not have access to this information either.

Some credit records for the last 6 years will appear on your credit file. However, that wont tell you if you had PPI or whether you were mis-sold.

Mortgage PPI is easy as that is nearly always monthly premium by direct debit (one of the contributing reasons most MPPI complaints are rejected). So, if yoiu have your bank statements you should be able to identify it easily. That said, if you had your bank statements you would be able to indentify other lenders too.

responses that say " No One here will help recommend a company " as per a previous post I have seen , need not respond !

If you want a recommendation of a CMC then you are at the wrong site. This is a money saving site. Not a money wasting site.

Follow the guidelines on the reclaim page and take your pick from whatever the web brings up. There are lots of companies that charge less than 20%, some as low as 10% + VAT. It is entirely a personal choice who you may use. You can start the ball rolling yourself by making a subject access request to get any information that the banks etc may still hold on you. but it will cost £10 for each company. Once you get that information if you follow the self-help guidelines on the main forum you may find it is easier than you think.

Good luck

To complain you fill in an FOS form. YOU need to dig out information such as the dates you had the card, the lenders you used and YOU have to provide information YOU have gathered YOURSELF from your archives and/or CRA searches along with valid miss-sale reasons (if policy would not pay out in any circumstance for example) plus proof which YOU have to gather (e.g. a good sick policy at work that means the CC PPI was unnecessary) and post it off.

If you want a claims company to help, THEY fill in an FOS form. YOU need to dig out information such as the dates you had the card, the lenders you used and YOU have to provide information YOU have gathered YOURSELF from your archives and/or CRA searches along with valid miss-sale reasons (if policy would not pay out in any circumstance for example) plus proof which YOU have to gather (e.g. a good sick policy at work that means the CC PPI was unnecessary) and THEY post it off.

Can you see what I have done there? I highlighted what a claims company does for you (fills in a form, posts it off) and what you have to do. As you have to do all the work, why not just fill in the form and post it yourself instead of giving them a huge chunk of any refund for doing 2 small admin tasks (that is literally all they do).

Paying even 10% + VAT of any refund is pointless, a CMC cannot do anything you cannot do yourself and they still require you to dig out all the information for the complaint and they can even harm your complaint by putting loads of generic copy/paste "miss-sale reasons" onto the form (such as unprovable allegations like you were told you had to have it, it would help your case etc) which can lead to the complaint being rejected.

Do note though MPPI is a very handy thing that protects your home from being repossessed, you need very strong reasons why you believe it was miss-sold given it's typically a 15-25 year debt and no company sick pay covers you that long.

CC miss-selling with good company sick benefits (e.g. civil service ones) is more likely to succeed