Online PPI Resources

jicms

I am not aware of ever having taken out PPI. However I've decided I should check in light of it sometimes being added without customers' knowledge.

I've been told by a colleague that claims handlers can investigate all companies on my credit rating without any input from me. Presumably if I tackle this myself I would have to phone all my historical cards/loans companies, most of which I no longer have paperwork for.

I'm happy to pay a claims handler a small percentage if they can acquire information that would be difficult for me to obtain.

Any advice would be appreciated.

[Deleted User]

1. They can't do anything you couldn't do yourself.

2. None of them charge a "small" percentage. Kiss goodbye to a third of any redress if you employ a Claims Management Company.

[Deleted User]

Plus -

3. They'll lower your chances of success by putting random reasons in which will discredit your complaint.

jicms

Some of them charge 15%, no win no fee, which is fine by me if I don't have to spend valuable time phoning round. Colleague only provided her name, address and credit report to the claims handler.

jicms

Deleted_User wrote: »

Plus -

3. They'll lower your chances of success by putting random reasons in which will discredit your complaint.

Really, what would be the reason for this - poorly trained staff?

[Deleted User]

Not so much poorly trained, as not trained at all.

They're a sausage factory. Bang out complaints with a standard set of reasons in them, any of which will contradict the others. Throw enough out and some will stick.

dunstonh

jicms wrote: »

Really, what would be the reason for this - poorly trained staff?

The FOS said it a while back. It found that the success rates on complaints made via CMCs was lower than personalised complaints. Some CMCs use one-size-fits all templates rather than give a personalised complaint. Sometimes they say things which can be proven to be lies and that reduces the credibility of the individual in cases where a balance of probability decision is made.


There is no database of PPI held. You will need to supply them all the details.

kish

I'm looking at escalating a PPI Claim to the FOS but the template on Resolver to do this is a bit odd, as it just looks like it's communicating with the original company, and there's nothing different in the email to give information about the company response so far. Am I looking in the wrong place? Are there example FOS escalation letters available anywhere?:rotfl:

-taff

Yes, on the FOS website, or there should have been a leaflet in your rejection letter.

Debrajane

Wondering if anyone can help? I'd like to check if I was mis sold PPI but need an old account number. I've contacted the Halifax and they say they don't keep records longer than six years. Any ideas of where to go next? Thanks