Approaching PPI Claims

puglover_3

Since hearing in the media about PPI claims I decided to check historic records. I remortgaged in April 2006 and paid off my MBNA and Halifax credit cards. So I called MBNA and Halifax and my old mortgage company - Nationwide, to be told that I have had PPI on all of these. They all logged my telephone call as a complaint and I heard from MBNA yesterday to say that I had to complete the Questionnaire.

Can you please help:

I honestly was never aware that I had PPI - How can I prove that this was mis-sold?.

I managed to find a policy from MBNA - there is no signature - how can I prove that PPI was mis sold if the application (which I recall was over the telephone.

Should I complete a questionnaire for all of the above instead of waiting to hear from them?

Apologies for sounding naive but really need some expert advice - thanks

[Deleted User]

All information you require is at these two links:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance

We can't manufacture your reasons for complaint, it improves your chances considerably if you are totally honest about your personal circumstances.

dunstonh

I honestly was never aware that I had PPI - How can I prove that this was mis-sold?.

You cant. It is a verbal allegation which has no evidence and very few complaints get upheld for that reason.

I managed to find a policy from MBNA - there is no signature - how can I prove that PPI was mis sold if the application (which I recall was over the telephone.

How was it mis-sold?

Remember that there is nothing wrong with having PPI. The issue was whether it was sold correctly or not or set up correctly.

magpiecottage

puglover wrote: »

I honestly was never aware that I had PPI - How can I prove that this was mis-sold?

How did you fail to notice it on your itemised statement each month?

puglover_3

Hi - There was no evidence of this on the statements, this was the same for my mortgage statements

[Deleted User]

puglover wrote: »

Hi - There was no evidence of this on the statements, this was the same for my mortgage statements

So they just took it without itemising it on your statement? I don't think this would be legal (or very likely).

"Go through your credit or store card statements in detail, and look for any mention of an insurance payment. It may be worded as 'payment cover', a 'protection plan', 'ASU', 'card protection', 'card care' or similar."

misschicken

MBNA was definitely clearly marked on statements - there is always a chance it was either cancelled shortly after being added or only added much later on - and obviously it would stop showing if you'd paid off your card. The PPI on your mortgage would usually show up as a monthly direct debit going out of your bank account. Have a look through your bank statements.

puglover_3

Thank you for your help and advice