Advice needed not sure where to start

IHaveNoMoney.com

Hi looking for some advice please and what i need to do to get started

In my wisdom and after decluttering my house i decided to clear out alot of paper work so for things like credit cards/store cards i have just been keeping the last statement and shredding the rest.

I have looked at my latest statements and i am definately paying ppi on one of the credit cards which i assume i have been paying since i took out the credit card in 2007.

How do i go about reclaiming charges if i don't have the paperwork to know what i have spent and for how long, this may be the same for other credit cards and loans where i won't have written prove of what i hav paid.

Thanks oin advance for any help Jo

DrSqueeze

Hi,

First of all, have a read through the guide : http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance?utm_source=forum&utm_medium=clicks&utm_campaign=resourcebar

If you can explain to the lender why the PPI was missold, you don't need any paperwork to start the complaint process. Just sending them a letter with your reasons is enough, although you can also use the questionnaire (see the link above) as this may help.

smitchy73

as drsqueeze says you only need your card number, or loan agreement number to start the reclaim, read through the guide and have your reasons for mis-sell, then fill in the FOS consumer questionnaire as in step 3, and send it recorded delivery to your card lender's main office. Some card operators like HBOS have a ppi claim line where it can all be started off over the phone. You should be able to get details if they have a claim line by checking out your lenders website.

IHaveNoMoney.com

Thanks i shall get reading, i know on one of my companies i asked for it to be removed due to being missold but i wasn't aware i could claim back what i had already paid

Thanks for your help

Jo