How do I know if I WAS mis-sold PPI

CaroLondon

Hello,

I have read a few threads on this subject but I am at a loss to if I was actually mis-sold PPI

I have a credit card and loan with Egg and a credit card with MBNA (Via A&L)

I took PPI on all three as at the time as I assumed it was the right thing to do, but now, of course, I know that it probably wasn't!

At no time, from what I remember, was I made aware the PPI was available elsewhere. I have now cancelled it on my Egg Card and A&L Card but it is still have it on my loan (I have no idea why I haven’t cancelled this to, just never gotten around to it I guess)

My question is can I claim??

I’m not really sure if I was mis-sold or I was just being a bit gullible and assumed that I should get it.

Is it worth sending them the template letter and seeing what happens?

Thanks
Caro

di3004

CaroLondon wrote: »

Hello,

I have read a few threads on this subject but I am at a loss to if I was actually mis-sold PPI

I have a credit card and loan with Egg and a credit card with MBNA (Via A&L)

I took PPI on all three as at the time as I assumed it was the right thing to do, but now, of course, I know that it probably wasn't!

At no time, from what I remember, was I made aware the PPI was available elsewhere. I have now cancelled it on my Egg Card and A&L Card but it is still have it on my loan (I have no idea why I haven’t cancelled this to, just never gotten around to it I guess)

My question is can I claim??

I’m not really sure if I was mis-sold or I was just being a bit gullible and assumed that I should get it.

Is it worth sending them the template letter and seeing what happens?

Thanks
Caro

Hello there

There is still a possibility you can still reclaim, as there are many reasons that may also apply to you.

I would check Martin's guidelines of reclaiming on below link and of course post up from help from there if you believe you are eligible, good luck.;)
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Di

dunstonh

At no time, from what I remember, was I made aware the PPI was available elsewhere.

not grounds for complaint. Their remit is to sell their product. Not anyone else's.

My question is can I claim??

Not on the reason above. However, there may be other reasons.