PPI Reclaiming Discussion Part 5

[Deleted User]

SimonJJB wrote: »

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??!!

What detail?

You're going to need to give us a lot more detail about these details.

[Deleted User]

SimonJJB wrote: »

I have no records and no specific reason to check, but I am well beyond 25 so worth the effort.

Not sure what you are asking?

If you simply want to check whether you had PPI, your first port of call should be to your lenders.

Either write or call them and enquire directly..

Do note that even if you had PPI, it has to have been mis-sold to you in order for it to be refunded.

carpyness

Dear Sir / Madam!
I am! hoping you can help me I have been told I can claim my late mum and dads ppi as I know they paid this can you help me with how to go about this and who to use to get this claim going please.
kind regards!
Mrs Vanessa Warner

[Deleted User]

Don't use anyone.

You can make the complaint in a similar way as you would for yourself. However, having PPI was not an offence - there needs to be a mis sale.

Do you have reasons to support a mis sale complaint?

[Deleted User]

carpyness wrote: »

I have been told I can claim my late mum and dads ppi as I know they paid this

How long have your parents been dead? How long ago did they pay PPI?

Certainly, as the executor of their estate, you can make a factual complaint that the PPI was mis-sold to them. I emphasise the word "factual" because you cannot make any complaint over what may or may not have been said to them at the time of the sale since you were not present. You must focus instead only on factors like the suitability of the PPI for their circumstances.

Your main problem is likely to be a lack of records pertaining to their finances, especially if they have been dead for some time.

First port of call is to enquire at the financial institution they bought the PPI from.

sew12

Have never had a loan and mtge finished over 30 years ago. Have had credit cards but have always paid them off in full monthly. Never paid these any fees to hold th card. The only card we pay a fee on is M & s card which we pay a fee on which gives us annual wide world travel insurance and have held this for 5 years,
My question is could I ever have paid ppi because I don't think I have.. anyone able to help

dunstonh

sew12 wrote: »

Have never had a loan and mtge finished over 30 years ago. Have had credit cards but have always paid them off in full monthly. Never paid these any fees to hold th card. The only card we pay a fee on is M & s card which we pay a fee on which gives us annual wide world travel insurance and have held this for 5 years,
My question is could I ever have paid ppi because I don't think I have.. anyone able to help

If you paid off the balance monthly then you shouldnt have paid PPI. Its paid on the borrowed amount outside of the free period.

Janet_Cranley

My claim for PPI got as far as court last time people claimed... Then everyone's claims were stopped...my info is still at the courts. What do I do??? Thank you in advance.

Joby_Fox

Is it worth trying to claim for PPI sold to me with a mortgage in 1982? I know I had PPI, I recall I was told it was compulsory as I had a 100% mortgage, the lender was Abbey National. I think I paid the premium in one go. I redeemed that mortgage in 1985. I don't know if I still have any papers about the mortgage let alone the PPI, and it would take me a long time to search old archives. Is there any chance I would qualify for a refund?

dunstonh

Joby_Fox wrote: »

Is it worth trying to claim for PPI sold to me with a mortgage in 1982? I know I had PPI, I recall I was told it was compulsory as I had a 100% mortgage, the lender was Abbey National. I think I paid the premium in one go. I redeemed that mortgage in 1985. I don't know if I still have any papers about the mortgage let alone the PPI, and it would take me a long time to search old archives. Is there any chance I would qualify for a refund?

You are mixing up PPI with MIG. (1982 predates PPI).

MIG was charged when you borrowed above a certain amount. It is unlikely you borrowed 100% as 100% mortgages were not around in 1982. Probably 90-95%. And if you borrowed above 75-80% you paid a mortgage indemnity guarantee.

No wrongdoing here and nothing to reclaim.