Where do I begin?

shauniebabe

Hi everyone,

This is probably quite simple to do but I just want to make sure where I begin.

I've promised for over a year now to help my father in law claim any ppi back that he is owed, and finally now have the time. The situation is relatively simple as he couldn't claim on the ppi as he is a self employed landscaper and has been for 20 years.

This is where it gets a bit difficult though, he has no copy of the agreements or bank statements because he followed bank advice and shredded them and his bank can find payments from his account to the various credit cards, loans etc but no account numbers. He does have however a car reg which one of the loans with blackhorse finance was taken out with.

Does anyone have Any advice on where to start?

If it helps the loans are:

Barclaycard, MBna and blackhorse finance.

And the credit cards are from barclaycard, Santander, MBna, virgin and an other he can't remember but says he will.

He was shocked to find out he couldn't claim and they were all paid off around 4/5 years ago. He also had some cover on his mortgage but he doesn't know if he can claim for that!

Thanks in advance.

di3004

Hi

If you have the account numbers, you do not actually have to worry about the paperwork.
Many have had success without having the paperwork.

However, it does help to have the account numbers.

In regards of loans, if any of them were with a local bank, call in and they should be able to track them down.

or

Any old banking statements, the direct debit payment is generally shown next to the account number.

I would firstly try contacting the business direct for the details, but another way would be to request for the paperwork by sending a letter called subject access request (SAR), they have up to 40 calendar days to comply, you enclose the fee of £10 cheque or postal order.

If there were a few accounts with the same bank/business then one SAR with the one stated fee will cover all.

SAR letter template here.

https://forums.moneysavingexpert.com/discussion/1475553

A SAR is optional, but maybe required if you do require the paperwork, and if the business will not disclose any information to you.

To make a reclaim of the ppi, you simply complete the complaint questionnaire below, send and keep copies in case you need to refer back to the case later.

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

Also check the guidelines of the mis selling list to see if any of them apply as well.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step2

Hope this helps, good luck.

calce1987

Just because your father-in-law is self-employed does not mean that the policy was mis-sold, PPI policies do cover self-employed persons and if this is the only reason for the mis-selling complaint then you are more than likely going to be unsuccessful in your claim.

Firstly you should obtain a copy of the policy documents for the relevant PPI policies as almost all policy documents will define cover for self-employed people.

-taff

You can't obtain agreements on closed accounts, and the chances of any company giving you the policy booklets from the time you took out the debt are pretty much zero.