Can I claim PPI though debts are with 3rd parties?

NoMoneyMummy

A few years ago my partner and I got into some difficulties and as a result we're paying the debts via third party collectors.

I've been putting off claiming for the PPI as I imagine it isn't simple. However, I've been wondering lately if I can claim via the original lender i.e. Marks & Spencer for example.

Does anyone know if that is still possible?

Thank you.

dunstonh

If you have a complaint to make then make it. If they agree with you and decide to pay redress then it will be paid against any amounts written off/in arrears or defaulted.

NoMoneyMummy

Thank you so you think it's worth doing anyway? I was just a but unsure of how it would work as the original banks are no longer dealing with the accounts.

dunstonh

If the terms of the repayment you have with the debt collector has involved an amount being written off and that amount is more than the amount of PPI that you paid (or didnt pay as the case now is) then its not worth it as you wont get it and they can use it against the written off amount and it will not reduce your debt.

If the PPI refund would be more than that and would go against your outstanding debt in some way then as long as you have a valid reason for complaint, then you should complain.

Do not use a claims company. You will be billed despite not personally seeing the money.