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How do I find out if I had PPI?
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# 1
hoyles10
Old 17-08-2009, 2:06 PM
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Default How do I find out if I had PPI?

I had a loan with Welcome Finance a while ago and i'm not sure if I had PPI on the original loan or not.

I took out a loan in about 2003 which I think had payment insurance on it, over a period of time I was silly and kept adding to the loan but each time the old loan was payed off and a new loan taken out. So if my loan balance was for 2000 but then I wanted a further 500 on it I took out a new agreement for 2500.

In total i've had 4 or 5 loan accounts through doing this. I no longer have the original paperwork but how do I find out if I had PPI on any of them and if so what do you think the chances are of claiming it back?
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# 2
di3004
Old 17-08-2009, 2:08 PM
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Default

Quote:
Originally Posted by hoyles10 View Post
I had a loan with Welcome Finance a while ago and i'm not sure if I had PPI on the original loan or not.

I took out a loan in about 2003 which I think had payment insurance on it, over a period of time I was silly and kept adding to the loan but each time the old loan was payed off and a new loan taken out. So if my loan balance was for 2000 but then I wanted a further 500 on it I took out a new agreement for 2500.

In total i've had 4 or 5 loan accounts through doing this. I no longer have the original paperwork but how do I find out if I had PPI on any of them and if so what do you think the chances are of claiming it back?

Hello there.

Just write to them, enclose a 1 postal order or cheque payment, and request a true copy of your CCA (Agreement), tell them you look forward to receiving this by 12 days of your date of request.

Post by recorded delivery.
The one and only "Dizzy Di"
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# 3
di3004
Old 17-08-2009, 2:13 PM
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To save confusion, as you had a few loans, you could request a SAR as well, they go back for at least 6 years if you live in England or Wales and 5 years in Scotland, however I was lucky enough to receive information on all my accounts going back even earlier years.
This was a different company though.

They have 40 days to comply, but there is a charge of 10 postal order or cheque payment for this request.

This SAR should include information of everything they hold on you, such as loans/insurance etc.

You may have to give them more details if you've no account number, such as your date of birth, any different address and surnames if you lived elsewhere when taken out other loans etc.

Here is the SAR template letter here, and post by recorded delivery, good luck.
http://forums.moneysavingexpert.com/...html?t=1475553

If you require help with PPI reclaiming please let us know.
The one and only "Dizzy Di"
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# 4
hoyles10
Old 17-08-2009, 2:16 PM
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That's great thanks very much, i'll sort that out today then. In for a penny in for a pound as they say

What does SAR stand for? Sorry if i'm being numb
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# 5
di3004
Old 17-08-2009, 2:17 PM
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Quote:
Originally Posted by hoyles10 View Post
That's great thanks very much, i'll sort that out today then. In for a penny in for a pound as they say

What does SAR stand for? Sorry if i'm being numb
Your welcome.

Oops sorry, Its a Subject access request, where they "must" provide you with everything as requested as shown on the request.
No your not being dumb lol, we have all been there, and they say we learn something new everyday..

Good luck and if you do need further help, ask away anytime.

Di
X

PS, will add this link here as well in regards of PPI reclaiming guidelines with templates etc, and when your ready, let us know.
http://www.moneysavingexpert.com/rec...loan-insurance
The one and only "Dizzy Di"
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# 6
Hippocampus
Old 18-08-2009, 6:48 AM
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It would be an absolute miracle if you have an agreement with Welcome that DOESN'T include PPI, as wel as other silly insurances.

Send to this address...

Compliance Department
Welcome Finance
Mere Way
Ruddington Fields Business Park
Ruddington
Nottingham NG11 6NZ
Cabot can now kiss my DONKEY. Statute barred is enough of a result, but the actions of the CABOT FAN CLUB have cost them far more than the paltry sums they were chasing us for.
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# 7
hoyles10
Old 18-08-2009, 11:38 AM
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Thanks Hippocampus, you've answered the question I came on for before I even asked it
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# 8
deanacoombes
Old 22-02-2012, 6:25 PM
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Default loan

Hi
I don't know if i had a ppi with blackhorse how do i find out?
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# 9
Devenney16
Old 02-04-2012, 4:53 PM
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Does any1 know the rules and regulations regarding reclaiming PPI on a friend or relatives behalf??

I'm pretty sure after speaking with a friend that he has been paying PPI on a fair few credit cards without knowing wanting or asking for the product, he says he doesn't have the time to reclaim as a lot is going on in his life right now but would be happy for me to do it on his behalf.

Any help would be appreciated.
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# 10
GennaH
Old 02-04-2012, 5:07 PM
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I've never had any loans but have had a few credit cards in the past and not sure whether I had PPI. How do I find out if I did? Most of the sites I've seen focus on loans and I have no idea of where to start!
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# 11
Moneyineptitude
Old 03-04-2012, 1:31 AM
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Quote:
Originally Posted by Devenney16 View Post
Does any1 know the rules and regulations regarding reclaiming PPI on a friend or relatives behalf??

I'm pretty sure after speaking with a friend that he has been paying PPI on a fair few credit cards without knowing wanting or asking for the product, he says he doesn't have the time to reclaim as a lot is going on in his life right now but would be happy for me to do it on his behalf.

Any help would be appreciated.
There are several places on the FOS questionnaire which ask for details of someone acting on behalf of the claimant. Although these are generally used by Claims Management Companies, it should be a simple matter for your friend to include your name and address as the person acting for him.
Follow the simple steps here
http://www.moneysavingexpert.com/rec...card-insurance

Print off the FOS questionnaire template and get your friend to sign giving their permission for you to act for them..
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# 12
amersall
Old 04-04-2012, 4:06 PM
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Quote:
Originally Posted by GennaH View Post
I've never had any loans but have had a few credit cards in the past and not sure whether I had PPI. How do I find out if I did? Most of the sites I've seen focus on loans and I have no idea of where to start!
If these are closed, then you need to Sar each bank and ask for all info they hold on you, this could get you the info you need, do not ask for a specific item you need all info they hold on you, this will cost 10 per bank and they have 40 days to respond.
http://forums.moneysavingexpert.com/....php?t=1475553

If you know the banks you had these with you could ring them and ask if they can find your accounts, give as much info as you can.

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# 13
CaPPsiE
Old 26-03-2014, 11:04 AM
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Default 1 or 10 for the CCR

Hi

Is it 1 or 10?

di3004 wrote:
Quote:
Just write to them, enclose a 1 postal order or cheque payment, and request a true copy of your CCA (Agreement), tell them you look forward to receiving this by 12 days of your date of request.
But later amersall wrote:
Quote:
If these are closed, then you need to Sar each bank and ask for all info they hold on you, this could get you the info you need, do not ask for a specific item you need all info they hold on you, this will cost 10 per bank and they have 40 days to respond.
Thanks,
Adam.
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# 14
dunstonh
Old 26-03-2014, 11:32 AM
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Quote:
Originally Posted by CaPPsiE View Post
Hi

Is it 1 or 10?

di3004 wrote:


But later amersall wrote:


Thanks,
Adam.
The 1 method (section 78 of the CCA) only applies to loans regulated under the consumer credit act with a debt outstanding (i.e. those loans still being repaid). If there is no debt, then s78 no longer applies (i.e. those loans that have been repaid).

The 10 method should be used for repaid loans. However, do remember that there is no requirement to supply a credit agreement with your complaint. That is a myth.
I am a Financial Adviser. Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
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