Lost Documents

helen.melia

Help, i have submitted a PPI claim in June. Have just received a letter to say that they cannot provide a copy of my agreement as they cannot find it. I have had this from MBNA and Yorkshire Bank. Both loans were still active 4 yrs ago. How do i proceed?????????

dunstonh

Both loans were still active 4 yrs ago.

They key question is: are they active now?

How do i proceed?????????

Are you making a claim or a complaint? If complaint, then why did you need your agreement?

di3004

Hi
You can make a reclaim on the PPI (if this is what you want to do) without the need of the paperwork, many have been successful in making reclaims without the agreement.

I could not get hold of one of mine because the account is closed, but knew I was sold and mis sold the ppi, made a reclaim and succeeded, they then provide details of the breakdown once accepted.

To make a reclaim, just complete the reclaim questionnaire on step 3, send to the ones responsible to selling you the policy, head office or complaints dept, keep a copy.
The FSA have given the main banks extra time to keep up with the backlog, they usual is 8 weeks, but now its 12 weeks, they will let you know if this applies to you.
I would also keep a copy of your completed questionnaire as well, you may need to refer to it again later on, for example - if you need to make a complain to the Financial ombudsman service (FOS).

Hope this helps, good luck.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

helen.melia

Thanks, i was making a claim for PPI, but the letter states they cannot find a copy of my agreement so cannot proceed with my claim????? what can i do now?????

dunstonh

Thanks, i was making a claim for PPI,

Is that because you are ill or have been made redundant? If so, you dont need the agreement. You just contact the insurance company and ask for their claims department and submit your your claim.

If it is a complaint you are making, again you dont need the agreement. You just state the reason for your complaint.