PPI enquiry from a clueless person! Please read & reply!

dangleberry78

I have found out who my credit/store cards & loans have been with - I have dates started, dates settled, amounts/credit limits etc. I dont have agreement numbers/account numbers or anything like this though for the majority of loans/CCs.

I dont think I have ever knowingly agreed to PPI so the only way I would have had it is if it was added without asking me (does this happen?) or if it had been called something else or had been VERY well disguised.

I am thinking its poss worth a shot at writing to all loan/CC providers saying I think I have been mis sold PPI as am figuring if I never had it they will ignore me or I will get a snotty letter (which I can handle!), but, on the off-chance I have had PPI in the past I may get some £ back.

So, if I want to do this (and please someone say if its a stupid idea!), do I need to write to the banks first with the £1 cheque asking for account details & actually find out if I had PPI, or do I just send them the complaint letter? If sending the complaint letter straight away is OK, what reason shall I use for mis-sold PPI. As I say, IF I have ever had it, it would have been because it was very well disguised or called something else, or added without me knowing, or hidden in a tick-box type of situation.

Basically am trying to establish if its worth going straight to complaints letter without writing to ask for policy details first.

Anyone who can advise me, please do!!!

[Deleted User]

dangleberry78 wrote: »

Basically am trying to establish if its worth going straight to complaints letter without writing to ask for policy details first.

I think your "scatter shot" approach would be self defeating as the Banks would simply write to you in the negative after making a cursory glance of your account. They certainly wouldn't be looking in depth at paid off loans, credit cards you no longer have etc etc.
You could get a SAR for each provider and look for any evidence of PPI. But if you sincerely doubt you have ever had it, then you have to ask if it's going to cost more than you stand to gain.
Of course, you could also simply approach the Banks armed with your account details and ask them directly if PPI was applied to any of them.

dangleberry78

Hi thanks for reply. Could I get the info I need by phoning each of the providers? Could also obviously ask on phone if I actually had PPI? (would they tell me the truth if I asked?). What info does a SAR give you?

[Deleted User]

dangleberry78 wrote: »

Hi thanks for reply. Could I get the info I need by phoning each of the providers? Could also obviously ask on phone if I actually had PPI? (would they tell me the truth if I asked?). What info does a SAR give you?

Well, you could try ringing them. You'll probably get a more sympathetic response from them if you are still a customer, of course.

SAR details here:
https://forums.moneysavingexpert.com/discussion/1475553

dunstonh

as am figuring if I never had it they will ignore me or I will get a snotty letter (which I can handle!)

So, you are thiknig of making fraudulent complaints on the basis you may get lucky?

but, on the off-chance I have had PPI in the past I may get some £ back.

The PPI issue is not whether you have it or not. It is if you were mis-sold it or not. Complaining you have it is an easy rejection as there is nothing wrong with that. You need to have complaint reasons. What would yours be?

do I need to write to the banks first with the £1 cheque asking for account details & actually find out if I had PPI

The £1 method only applies to current debts/accounts. Not historical.

If sending the complaint letter straight away is OK, what reason shall I use for mis-sold PPI.

The truth is usually a good idea.

dangleberry78

errrrrm wind your neck in dunstonh!
No it wouldnt be a fraudulent claim as IF I have had PPI it wouldnt have been because I wanted it - if you read my post I did say this.
Why are some people so bl**dy arsey?! May your evening be as miserable as you are.

happyandy1965

Use Fair Trade Practice they will do it all for you. Best thing I have done. girlfriend got £3,900 back on a Evans card

misschicken

No don't use Fair Trade Practice or any other claims company. Fair Trade will take 25% of any refund plus VAT for doing nothing that you can't do yourself for the cost of a stamp.

If you've been mis-sold you can get your money back yourself, if you haven't been mis-sold you can't and a claims company can't get it back for you either.

magpiecottage

dangleberry78 wrote: »

I dont think I have ever knowingly agreed to PPI so the only way I would have had it is if it was added without asking me (does this happen?) or if it had been called something else or had been VERY well disguised.

If you had it then it would have shown in your itemised statements each month - so you would have known about it and realised at the time that something was wrong.

That of course assumes you were not daft enough not to bother to read the statements.