PPI claim for old loans

mrs_depp

Hi, i was wondering if there's a time limit for PPi claims??

I never thought about claiming before beacuse i assumed that my ex-loans were too old to claim for but my parents have recently just had a payment for almost £9000 regarding 2 loans they took out in 2002!

My situations is, long story short....took out a loan (HSBC) in 1999 to pay for a deposit for a mortgage (HSBC) made payments on time for a couple of years then approx in 2001 took out a secured loan (First National). Unfortunately, in 2002 my ex lost his job, we fell behind with payments and the house almost got repossessed. I was lucky that my local housing association stepped in with their mortgage rescue scheme so i was able to stay there and luckily for HSBC and First National they got all their money back.

What are my chances of getting anything. I have no paper whatsoever they were shredded a long time ago as i wanted to draw a line under it. Also my ex and i are no longer in contact and as the mortgage and loans were in both names would I need his permission or signatures to do anything? I dont mind giving him his share its just i'm not that keen to contact him. I am sort of in contact with a family member of his so sending him his share would be easily enough but as for speaking to him, its a no no!!

Thanks in advance for any advice.

Ang.

PS. For your info incase it helps others, my parents loans were with LLoyds TSB and they didnt have any paperwork nor did they have to send anything to LLoyds, All it took was a quick phone call and Lloyds done it automatically. They still bank with LLoyds so maybe thats why it was quick and easy. Who knows.

amersall

Give the bank a ring and ask if they can find you, as this was a joint loan you will both need to sign the claim form if you were mis sold.
If the banks cannot find you then do a Sar this will get you all info they hold on you, if they still have it.
https://forums.moneysavingexpert.com/discussion/1475553

mrs_depp

Thanks. Spoke to GE Money who now own First National, they dont hold any info but told me to write to them with more details, she didnt mention SAR or the £10 fee but should i still send it??

HSBC didnt even ask for my name just abruptly told me to write to them!

amersall

I would do the Sar and pay the fee, then you know you will get the info, if they do not charge they will send this £10 back.

HSBC are par for the course i am afraid!.