Addresses for PPI claim

Dunree

Hi Guys,

I've sorted out my PPI claim letters, but the addresses I have are the original ones that I dealt with when I had the loans/cards back in the mid nineties.

How would I go about finding out the correct current addresses for the companies.

All I need is Providian, an odious company if I remember correctly

My Lloyds TSB ones, I'll call them tomorrow

Dunree

Dunree

Ps, all mine date to around 1995ish, do you think there will be a problem there?

I have all the account numbers to hand

[Deleted User]

Dunree wrote: »

date to around 1995ish, do you think there will be a problem there?

With loans and credit cards 18 years old and earlier I don't expect the Bank will have any records. I'd also expect them to time-bar any complaints.
Sorry.

Dunree

Moneyineptitude wrote: »

With loans and credit cards 18 years old and earlier I don't expect the Bank will have any records. I'd also expect them to time-bar any complaints.
Sorry.

Do you think it's worthwhile going ahead though?

Any help would be appreciated

[Deleted User]

Dunree wrote: »

Do you think it's worthwhile going ahead though?

Well, before proceeding it might be worth £10 to see exactly what they do hold on you.
There is an excellent Subject Access Request (SAR) letter template here:
https://forums.moneysavingexpert.com/discussion/1475553

As you are no longer a customer of any of these lenders and all the loans and credit cards are settled/closed, I'd expect your SAR to return very little.

As ever, it's your call what you do next...

Dunree

Moneyineptitude wrote: »

Well, before proceeding it might be worth £10 to see exactly what they do hold on you.
There is an excellent Subject Access Request (SAR) letter template here:
https://forums.moneysavingexpert.com/discussion/1475553

As you are no longer a customer of any of these lenders and all the loans and credit cards are settled/closed, I'd expect your SAR to return very little.

As ever, it's your call what you do next...

I'd like to go for it, just because of what they put me through back then when I got into bother financially.

The added extra costs of PPI was quite a lot for me to pay back then. Who knows if I hadn't had to pay it, would I still have gotten into the bother...

[Deleted User]

Dunree wrote: »

Who knows if I hadn't had to pay it, would I still have gotten into the bother...

Be aware that if this "financial bother" you had back then meant you had debts which were written off with amounts still outstanding then the Lender can choose to offset any redress awarded against these outstanding amounts.
However, this is all probably to be academic as you will likely get rejections based on the age of these complaints and the lack of any supporting documentation.

As ever, it's your call...

Dunree

Moneyineptitude wrote: »

Well, before proceeding it might be worth £10 to see exactly what they do hold on you.
There is an excellent Subject Access Request (SAR) letter template here:
https://forums.moneysavingexpert.com/discussion/1475553

Wow, that's some letter. I think I'll send that off first, just to see how the land lies.

I've already drafted the PPI claims, should I send them along with the SAR letter, or wait for the response to the SAR?

[Deleted User]

Dunree wrote: »

Wow, that's some letter. I think I'll send that off first, just to see how the land lies.

I've already drafted the PPI claims, should I send them along with the SAR letter, or wait for the response to the SAR?

If you send the two together then the SAR is effectively redundant!
Wait until you get the SAR back (they have forty days) and then decide whether it's worthwhile continuing (and also whether you might need to edit those complaints).

As ever, it's your call...

Dunree

Moneyineptitude wrote: »

Be aware that if this "financial bother" you had back then meant you had debts which were written off with amounts still outstanding then the Lender can choose to offset any redress awarded against these outstanding amounts.
However, this is all probably to be academic as you will likely get rejections based on the age of these complaints and the lack of any supporting documentation.

As ever, it's your call...

With the debts I had, I made deals with them re Partial settlements.

I wish I'd kept the paperwork, as large chunks of the amounts owed were made up of excessive charges.



Ps, it might even be closer to 13/14 years that I done the Partial Settlements. The memory isn't as good as it should be

Another edit. Checked back when I settled. Looks like it was in 2004. Does this make a difference?

I got the cards, loans etc in the mid 90's. Ran into trouble early 2001ish. Went to CCCS until I remortgaged my flat in 2004.
So it might not be as far back as I first thought

Queries

Dear Dunree, my loan (including mis-sold PPI) was about 1997 with Lloyds TSB. I went into my local Lloyds branch, and they checked on their system as to whether-or-not I had, had a loan. Apparently, it did not show the amount of the loan, but that I had one with PPI and because I was self-employed at the time, they sent a fax through claiming on my behalf. (The cashier did this on my behalf and it took all of 5 minutes.).

I heard nothing for 3 weeks, so I asked why. (It turned out that the original cashier had failed to notice that the original fax had been rejected.) So, it was re-sent and within 3 weeks I received a fair offer, which I accepted.

Go to your local Lloyds TSB branch regarding queries - like mine and probably yours - and who knows what you may gain. Good Luck!!

(Please don't forget to take any relevant account numbers with you!)