What type of accounts can I claim PPI from

dirk_

Hi Guys

I am currently looking to see if I am entitled to a PPI claim, I have done a credit report using Noddle.co.uk and have gotten the following info off of the report re the accounts I have held over the last 10 or so years

Lender.............Account Type..........Start Date..........End Date

Santander UK plc......Mortgage..........16/01/1999.......... 29/12/2009
Santander UK plc......Mortgage..........24/07/2004.......... 19/12/2006
Santander UK plc......Mortgage..........20/12/2006.......... 21/03/2007
Santander UK plc......Mortgage..........22/02/2007.......... 03/02/2011
We only had 1 mortgage with Santander, I think the separate accounts were created when we increased/altered the monthly payments.


Lender......................Account Type.........Start Date.........End Date
Volkswagen Financial Ser..Hire Purchase......16/11/2002.........15/03/2007
Egg Credit Card.............Credit Card..........15/06/2004........15/06/2009
Halifax Preference Card...Credit Card..........28/07/2005.......29/01/2011
Bank of Scotland.............Unsecured Loan...19/01/2006.......31/01/2007
MBNA Europe Bank.........CreditCard...........23/07/2007.......23/07/2007

HBSC Mortgage................Mortgage........20/12/2010.........Still running


My questions are

1) I am unsure if we had PPI insurance with all of these accounts, can I still put in a claim for them to check ?
2) On Noddle.co.uk, the full account number/s are not shown and I now have no or very little info on some of the accounts, what is the bare minimum info that I can send to these lenders?
3) Are the financial organizations obliged to give me the details of these accounts, is it best calling or writing to them ?
4) When sending the PPI consumer questionnaire form, should this be sent recorded (signed for) ?

Thanks for taken the time to read this and help
:j

dirk_

Just another question

Re my Bank of Scotland 'unsecured loan' - does this mean that it defiantly wouldn't have had PPI protection with it ??

dunstonh

1) I am unsure if we had PPI insurance with all of these accounts, can I still put in a claim for them to check ?

What would be your reasons for complaint?

2) On Noddle.co.uk, the full account number/s are not shown and I now have no or very little info on some of the accounts, what is the bare minimum info that I can send to these lenders?

Name, addresses (past and current), date of birth and rough timescales and amounts.

Are the financial organizations obliged to give me the details of these accounts, is it best calling or writing to them ?

If you do a data subject access request they are required to supply what data they still hold on a relevant filing system. Not any data that has been destroyed or put in a non relevant filing system.

When sending the PPI consumer questionnaire form, should this be sent recorded (signed for) ?

up to you.

Re my Bank of Scotland 'unsecured loan' - does this mean that it defiantly wouldn't have had PPI protection with it ??

No

dirk_

Thanks for the response Dunstonh

Answer to your question in red

Thanks for you help

dunstonh wrote: »

What would be your reasons for complaint?

The reason we think we have a case is that it was never explained to us that PPI was an optional extra, we were lead to believe it was compulsory


Name, addresses (past and current), date of birth and rough timescales and amounts.

I have all this info


If you do a data subject access request they are required to supply what data they still hold on a relevant filing system. Not any data that has been destroyed or put in a non relevant filing system.

Thanks



up to you.
Will defiantly send recorded



No

by 'no' do you mean that this type of loan may could have had PPI attached to it?

choclover

Quote "by 'no' do you mean that this type of loan may could have had PPI attached to it?"

Yes, an unsecured loan means the loan wasn't secured against an asset, such as a house or car, which could be repossessed if you fall behind on your payments. It does not indicate whether or not PPI was taken out for the loan.

dirk_

Thanks for the reply choclover

Will be making some calls today

~Brock~

How can you think that the PPI was never explained to you/was compulsory when in your original post you claim to be unsure if you even have PPI on the accounts in the first place?

bebell

Hi, doe's anyone know if you can claim ppi back on hire purchase aggreements please.
Thanks

bebell

Hi, doe's anyone know if you can claim ppi on a hire purchase agreement please.
Thanks