PPI Reclaiming Discussion Part 5

[Deleted User]

Read nothing into whether you receive a call or not.

Jd23845

Anybody know how long Lloyds take to pay out.

My claim has been accepted and was with the calculations team on Friday. I know they are going to put it into my bank account.

Nicky321

Years and years ago I am sure we had PPI, but are unsure as to which the lender was. We can think of most Banks we have had dealings with, but not sure if the PPI was with them. Is there a way of writing to, or online claim to write to different lenders to see if the PPI was with them? Or is there a deadline as to how many years back we can claim for?

Thanks in advance x

[Deleted User]

You'd write to each lender and ask them.

amersall

Contact the banks you remember and ask if they can find you and any PPI.

Nicky321

Deleted_User wrote: »

You'd write to each lender and ask them.

Is there a template or online way to do this?

dunstonh

Nicky321 wrote: »

Is there a template or online way to do this?

Dear sir,

Please can you let me know if I had PPI with any of my accounts/loans with you.

yours sincerely,

Dalejr88

I've been in a trust deed in the past , been back to normal financial health for 4 years , I have a specialist ppi company looking into reclaiming on my behalf, will this ruling be of any benefit to someone like me ?

dunstonh

Dalejr88 wrote: »

I've been in a trust deed in the past , been back to normal financial health for 4 years , I have a specialist ppi company looking into reclaiming on my behalf, will this ruling be of any benefit to someone like me ?

If you are in England then any redress does not come to you unless your creditors have been fully satisfied on the full amount of their debts that went unpaid (i.e. any amount written off or reduced).

It is recommended that you never use a claims company where you have had arrears, defaults, amounts written off, bankruptcy or any debt reduction service. That is because in those cases, you usually do not see the refund as cash in hand but the CMC will still bill you for the full amount refunded (even if the lender keeps it for themselves).

Scotland is different.

SimonJJB

The MoneySavingExpert seems to cover everything - except how to start!! I've never checked before but want to check just in case. I have no records and no specific reason to check, but I am well beyond 25 so worth the effort. But no idea where to start - the questionnaire form asks for lots of detail that i don't have and the Experian report doesn't have the right detail (unless I'm misunderstanding it).
Any ideas??!!