Advice & Help Needed :)

lugi86

Moneyineptitude wrote: »

I think you are wasting your time with FSCS unless you can actually find out if you had PPI on this 2008 loan. Even then, you'll need valid and verifiable mis-selling complaint reasons to qualify for the compensation scheme.
You'll have egg all over your face if you "complain" and then find you didn't actually have PPI (like the 2005 loan).

Remember, you can't complain simply because you have a PPI policy, it has to have been mis-sold to you.

I totally understand what your saying, i don't want to look like a muppet! All i want to do is find out how i get my 2008 agreement? if i had ppi on it i was never told it would be on there so i would have been mis-sold it! any advice one what i should next then to obtain my agreement?
Many Thanks
Lugi86

[Deleted User]

lugi86 wrote: »

All i want to do is find out how i get my 2008 agreement?

You can't ever get the agreement if the account is closed. Your problem is that the dealer is no longer trading. You could attempt to find out who the dealer used as the insurer and enquire of them if they have any PPI policies in your name. To be honest, though, by 2008 PPI was already the subject of intense scrutiny. It's very very unlikely it would have been added at this late stage without your knowledge.
A complaint based simply that it "must" have been mis-sold because you have no awareness of it is a very weak one.