Claiming back PPI form current bank

Changingmyspendingways

Hi all!

This is my first post so I apologise if this has been previously covered.

I'm looking to claim back PPI on a graduate loan I had approx 3 years ago.

My problem lies in that the bank I wish to claim from is the one that also holds my current account (which has a decent overdraft, which I am currently in and working my way out of). I'm am wary of making a claim as I do not want to end up with them pulling my overdraft overnight. Are they likely to do this?

Any advice would be greatly received.

roonaldo

you would only have a problem if its an unauthorised overdraft or defaulted.

ppi would only be reclaimable if it were mis-sold to you, so was it?

Changingmyspendingways

The overdraft is not unauthorised or defaulted.

As far as the PPI's concerned, I do believe that it was miss-sold as I wasn’t told about it in the first place. Reading into the qualifying criteria, I don’t think it was miss-sold in terms of, I didn't qualify for it. Just miss-sold in terms of being included as a hidden extra. Would I still be able to make a claim on this basis?

roonaldo

Changingmyspendingways wrote: »

The overdraft is not unauthorised or defaulted.

As far as the PPI's concerned, I do believe that it was miss-sold as I wasn’t told about it in the first place. Reading into the qualifying criteria, I don’t think it was miss-sold in terms of, I didn't qualify for it. Just miss-sold in terms of being included as a hidden extra. Would I still be able to make a claim on this basis?

Yes you can, are you sure you didnt sign for it?