Starting a new ppi claim .....HELP :-) please

charlotte1987

hi im trying to claim back the PPI i have paid on my car loan through blackhorse, i believe i was missold this as i was told i couldnt take out the car loan if i didnt accept the insurance too. Only thing is the car loan was paid off last september and i do not have any of the documents, i understand you can write and request copies but can i do this if i dont even have an account number for the loan??

Thank you for any advice

di3004

charlotte1987 wrote: »

hi im trying to claim back the PPI i have paid on my car loan through blackhorse, i believe i was missold this as i was told i couldnt take out the car loan if i didnt accept the insurance too. Only thing is the car loan was paid off last september and i do not have any of the documents, i understand you can write and request copies but can i do this if i dont even have an account number for the loan??

Thank you for any advice

Hi there
Do not worry about the paperwork at this point, but what I will suggest is to check your statements for the loan account number, where you paid the loan monthly repayment from your bank account, this should be shown next to the loan payment made every month.

If your still with the same bank now and bank online, this may allow you to go back to about 2002 onwards.
What year did you take this out?

Once you get hold of this, you can then pursue the dealer who sold you the account, as these are the responsible party for setting this up for you.

Send them a letter of your own words, or use the FOS reclaim form, issued by them to use to send to complain to businesses, and keep copies as well in case you need to complain to the FOS later on.
http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi/PPI-consumer-questionnaire.doc

Good luck.

dunstonh

Verbal allegations of what was or was not said are notoriously hard to prove and usually result in being rejected. You could be telling lies about what was said and unfortunately large numbers do that. The recent FOS stats that show PPI uphold rates have dropped to 68% from 92% indicates that 1 in 3 complaints with the FOS (let alone those rejected and not taken to the FOS) are now are potentially try-it-ons.

You are better complaining about provable or factual reasons. In your case, single premium PPI added to loan with interest charged. That is where most loan complaints get upheld.

Sure, mention the other reason as well but it will be largely ignored due to lack of evidence.