PPI Reclaiming Discussion Part 5

-taff

Santander will not search back through over 20 years of archives to find what you had.
They will look through recent history, or that specific account number to see if there was PPI with it.
Once you have complained you can't make the same complaint again, so a claims company would be useless. They also do nothing more than you have already done, but they do like to fool people into thinking they have clout, when in fact, they have none, and are less likely to have successful complaints thna you are yourself.

If you have been rejected, you can complain tot he ombudsman, but if there is no record of PPI with your mortgage [and even if there was, it doesn't mean it was missold] then the ombudsman will do nothing.


To find out what records there are left, then you should send a SAR and £10 to them - bear in mind there may be nothing left, and you will have wasted £10. If you want to go ahead, and the SAR will only give you [possibly] account numbers, it doesn't mean you'll have a successful complaint, then see the front page sticky for a template.

mallybee

Hi.

Last year I went through a claims company for some of my PPI claims and was successful and have received my payments from the banks.

I've since received several letters from the claims company (Consumer Claims formally Consumernet) stating that

"We have recently been made aware that you may have additional PPI claims against ***** that should result in a sizeable refund".

Is it possible that there is an additional form of PPI that I am entitled too even though I have accepted the payments from the banks?

Any help appreiciated.

Kind regards.

Malcolm

[Deleted User]

mallybee wrote: »

Is it possible that there is an additional form of PPI that I am entitled too even though I have accepted the payments from the banks?

You can't complain twice about the same account. If there was additional PPI surely you already know?
This just smacks of desperation by the Claims Management Company.

mallybee

Thank you Moneyineptitude.

I didn't think I could claim on these again but i thought it was worth checking.

Malcolm

82butterfly

Hi Everyone,

I really need your help!! I recently claimed back PPI on my Natwest bank loans. For anyone thinking of doing it, its so simple, they had all my details, a specific line when you phone customer services and within around 4 weeks I hade £11,000 in my account.

Now, I really want to check my old credit cards for PPI paid. However, I don't know any of the details and don't know how to find them. I signed up to Credit Expert but it only goes back 6 years, and some I want to check are about 10 years old.

Does anyone have any ideas how to get old credit card information from over 6 years ago? I've tried all the links via MSE but they all just say go to Credit Expert etc.

Thank You! :-)

-taff

unless you can remember yourself who you had credit cards with,. there is no company that can do that and no way to find that out.

82butterfly

-taff wrote: »

unless you can remember yourself who you had credit cards with,. there is no company that can do that and no way to find that out.

Thanks for replying Taff. I know who the credit cards were with but no other information. Maybe I should try direct with them, however, I feel they may be reluctant to give me any information.

-taff

Well, if you know who the companies are, you send them a SAR and £10 each to see what info is left. See the front page sticky for a template, include past addresses etc so they can find you.

lowdownbug

About a year ago, during a phone conversation with my bank manager, she suggested that I had had PPI on some personal loans going back to the late 80s and might want to make a claim. I insisted that I'd never had PPI and had always opted out as, being self-employed, it didn't seem likely that it would actually cover me. She insisted that I had though and sent me some account numbers and a claim form.

Without any hope of success I filled in the form anyway, it took about 15 minutes, and sent it off. A few weeks later I received an offer of £2000, they said they didn't have sufficient records as the loans went back so many years, so the offer was a standard amount that they make in such cases. I accepted it and got a cheque a few days later, easily the most profitable 15 minutes of my life!

My point is that it was dead easy, any claims company would presumably have had to ask me for all the details I supplied anyway, so they wouldn't actually have done anything other than post the claim form to the bank.

When I thought about it afterwards I'm sure they must have given me too much, the loans I had were never for very much and I don't think the PPI could have amounted to that much, even with interest, but I'm not complaining. The worrying thing is that I specifically opted out of PPI on the loan applications, yet still paid it anyway, so someone somewhere in the bank must have altered my applications.

Insider101

lowdownbug wrote: »

About a year ago, during a phone conversation with my bank manager, she suggested that I had had PPI on some personal loans going back to the late 80s and might want to make a claim. I insisted that I'd never had PPI and had always opted out as, being self-employed, it didn't seem likely that it would actually cover me. She insisted that I had though and sent me some account numbers and a claim form.

Without any hope of success I filled in the form anyway, it took about 15 minutes, and sent it off. A few weeks later I received an offer of £2000, they said they didn't have sufficient records as the loans went back so many years, so the offer was a standard amount that they make in such cases. I accepted it and got a cheque a few days later, easily the most profitable 15 minutes of my life!

My point is that it was dead easy, any claims company would presumably have had to ask me for all the details I supplied anyway, so they wouldn't actually have done anything other than post the claim form to the bank.

When I thought about it afterwards I'm sure they must have given me too much, the loans I had were never for very much and I don't think the PPI could have amounted to that much, even with interest, but I'm not complaining. The worrying thing is that I specifically opted out of PPI on the loan applications, yet still paid it anyway, so someone somewhere in the bank must have altered my applications.

This wasn't Lloyds or part of their group was it? From some of the stories I hear, they seem to have a funny process where if the loan is so old that their records can't confirm whether you had PPI with it or not they will offer you a standard amount without any further ado. If I was less honest I'd probably send a complaint in myself with completely made up account details and see what I could get out of them!!