i would appreciate some advice and help with reclaim PPI queries :)

uphill-struggle

Hello

i would appreciate some help and advice as i have some questions relating to PPI!

1 Can you reclaim PPI on a loan and credit card debt that are over ^ years old BUT are still currently being repaid through a debt managemtn plan?

I have reference numbers for both _ but no other paperwork. One is being paid via NCO europe which did have the same reference as the original M&S loan until recently - when the reference number changed (still NCO) but the debt is that of the M&s loan even if M&s have sold the debt totally to NCO - can i still see if I was mis-sold PPI and claim from M&S for the time they had the loan _ before passing on to NCO? I apologise if this sounds a little confusing _ this is why I would appreciate help or am i out of luck as i dont have the original paperwork and the loan is older than ^ years old? although i would argue with them that the debt is still "live" as they are getting repaid for it? any thoughts please>>>>the Bank of Scotland credit card is also still being repaid but well over 6 years old _ but again, i had a statement from them recently and the debt is being repaid through debt management plan - so is definitely "live" so to speak!! Is it worth me trying to see if I was sold PPI etc...or are both companies going to make life difficult as they are over 6 years old and i dont have original paperwork (other than account and reference numbers) and cannot give start dates

2 Can you also ask to have ppi looked into for car insurance and catalogue debts? Previously had Sainsburys car insurance iis it worth asking them to check? and (stupidly) i ran up a catalogue debt (collected under the jd williams group ) which is being paid off under debt management plan Would they have sold PPi insurance? and should i look into this too?

we just had a welcome finance ppi claim paid out and although it went straight off the debt with the debt managment plan, it still cleared a hefty chunk of our overall debt - which has inspired me to continue!!

many thanks for your thoughts on all these questions and i look forward to some good advice

regards

dunstonh

1 Can you reclaim PPI on a loan and credit card debt that are over ^ years old BUT are still currently being repaid through a debt managemtn plan?

Yes. But any redress will first go against any amount written off, then if a surplus, it will be paid to cover default/arrears and then if any surplus after that, it comes to you.

2 Can you also ask to have ppi looked into for car insurance and catalogue debts? Previously had Sainsburys car insurance iis it worth asking them to check? and (stupidly) i ran up a catalogue debt (collected under the jd williams group ) which is being paid off under debt management plan Would they have sold PPi insurance? and should i look into this too?

Car insurance doenst have PPI. Catalogue is the same as above.

uphill-struggle

thank you for your help...it was useful.