Possible PPI claim

bigbangfan

Hi, I wonder if anyone can help. I have received documents back following my SAR to Halifax in relation to a credit card and loan I had with them but I am still unsure as to whether I had PPI. They have sent me only
2 pages out of 8 for the credit card agreement. The first page says to tick the box on page three if I require the insurance but the page three that they have sent me has no boxes on it at all...hhmm. It seems very suspicious that they only sent me 2 pages out of 8 and neither have my signature on it.

Similarly, with the credit card agreement they sent, it doesn't even have my signature on it so I don't even know if it was the original agreement.

Any advice on this would be most appreciated.

dunstonh

they dont have to send an original. A reconstituted copy is fine.

With a credit card, an agreement is no use most of the time anyway as most PPI is for credit cards is arranged post sale.

-taff

SO you didn't get any statements then? If you did, it'll be on them.

lippy1923

If you are unsure you even had PPI how can you say its been mis-sold? What proof do you have to support your claim?

bigbangfan

lippy1923 wrote: »

If you are unsure you even had PPI how can you say its been mis-sold? What proof do you have to support your claim?

Der....... If it turns out that I had PPI and didn't know it, that means it was mis sold. Anyway, I know I wouldn't have needed it because I work for the NHS and would have been paid for sickness.

[Deleted User]

bigbangfan wrote: »

Der....... If it turns out that I had PPI and didn't know it, that means it was mis sold.

No, it simply means you've forgotten that you signed for it and then haven't checked the subsequent statements detailing the charges!

As more than half of PPI "complaints" come from people who didn't even have the insurance, it's just as likely that you never had it at all!

Why not just check your statements or simply ask your card provider? It would have saved you £10 for the SAR!

-taff

It would have appeared on every single statement you had with a balance owing so you can't say you didn't know it.
Der.

Brains64

lippy1923 wrote: »

If you are unsure you even had PPI how can you say its been mis-sold? What proof do you have to support your claim?

bigbangfan wrote: »

Der....... If it turns out that I had PPI and didn't know it, that means it was mis sold. Anyway, I know I wouldn't have needed it because I work for the NHS and would have been paid for sickness.

Well that is right actually, one of the biggest reasons why PPI was and still is such a scandal is because it was inertia selling, a huge amount of people didn't know they had it, there was no discussion or explanation given to them so that they would be aware and opt out if they didn't want or need it.

Even if you did happen to spot it on your credit card statement when you first get a card it might say something like 'Repayment Cover 78p' etc, this is what was said on mine when I first got a card in 2004, let's face it, it looks so flipping insignificant who would notice it??, it's only when you start using the card and the amount you owe goes up that it starts to become a significant figure because on a credit card the PPI is calculated as a percentage of the balance, so it goes up and up the more you use the card but by then you are a lot more focused on the balance.

[Deleted User]

Brains64 wrote: »

Well that is right actually,

It's not right. PPI has to have been mis-sold, not forgotten about.

dunstonh

Well that is right actually, one of the biggest reasons why PPI was and still is such a scandal is because it was inertia selling, a huge amount of people didn't know they had it, there was no discussion or explanation given to them so that they would be aware and opt out if they didn't want or need it.

However, that reason is also one of the weakest complaint reasons going and one that is unlikely to succeed by itself unless it gets lucky with an auto-payout. Unprovable allegations generally need another failure to be identified to be successful or get lucky on auto payout.

Brains64

Moneyineptitude wrote: »

It's not right. PPI has to have been mis-sold, not forgotten about.

In your haste to be so disagreeable which you sound like one of those people whom enjoys doing so:D, you've missed the point, we don't know for sure if the OP forgot or not, that's yet to be established for certain, the point is, was he made properly aware in the first place to then forget??, I'm not talking about ticking boxes and then forgetting, I'm talking about an explanation at point of sale, was there one??, if not then it's miselling, even if he was made aware to any half baked extent at the start was it followed by sufficient explanation in writing??, how many people got something in writing regarding PPI on their loans before the scandal??.