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how far back and level of proof?

bribri_2
bribri_2 Posts: 271 Forumite
Part of the Furniture 100 Posts Combo Breaker
in Reclaim PPI & other insurance
I was a teacher and paid PPI on a loan from Lloyds. The loan has finished more than 6 years ago. I have a statement with the original loan amount and the amount of insurance. At the moment I have no other documents.

Beyond saying 'can I have my money back please' is there anything else I can do to persuade them?

thank you

Comments

  • dunstonh
    dunstonh Posts: 120,264 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    You just tell them why you think you were mis-sold.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • marshallka
    marshallka Posts: 14,585 Forumite
    bribri wrote: »
    I was a teacher and paid PPI on a loan from Lloyds. The loan has finished more than 6 years ago. I have a statement with the original loan amount and the amount of insurance. At the moment I have no other documents.

    Beyond saying 'can I have my money back please' is there anything else I can do to persuade them?

    thank you
    Being a teacher were you perhaps covered elsewhere? Could you have ever used the PPI? What do you think your reasons for misselling would be, there are lots in the PPI reclaiming guide. If you feel it was missold then just say it like it was to you.
  • bribri_2
    bribri_2 Posts: 271 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    so the fact that the PPi and loan ended more than 6 years ago won't rule it out?
  • marshallka
    marshallka Posts: 14,585 Forumite
    bribri wrote: »
    so the fact that the PPi and loan ended more than 6 years ago won't rule it out?
    Shouldn't do as you have paperwork and I assume you have your reasons too for why you think it was missold to you.
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