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Cozzii
Cozzii Posts: 1 Newbie
in Reclaim PPI & other insurance
I wonder if anyone can help me...over the years, I have had several payday loans, long term loans, a credit card and an overdraft. I have now paid most debts off but am wondering if I will have had PPI on any of them that I can claim back? I have no paperwork for any of these loans, etc anymore...any suggestions on what to do please??? Thank you x
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Comments

  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    Cozzii wrote: »
    am wondering if I will have had PPI on any of them
    Ask your lenders...
  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    You don't claim it back, you put in a complaint if you feel the insurance was mis-sold, explaining why you feel it was mis-sold
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • scoly
    scoly Posts: 77 Forumite
    Goldiegirl wrote: »
    You don't claim it back, ...

    Eh? :huh:

    There's a very popular MSE guide entitled

    "Reclaim PPI for Free Claim £1,000s for mis-sold insurance"

    In particular Step 3 states:

    "Write or phone the company that sold the policy and ask for a refund."

    If that is not claiming it back, I don't know what is

    Does the guide need updating?
  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    scoly wrote: »

    Does the guide need updating?

    Yes, I believe it does
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    scoly wrote: »
    If that is not claiming it back, I don't know what is
    The word "claim" refers to what you do if you want to use the policy for what it was intended for. If you demand a refund due to mis-sale, then that is a complaint not a claim.

    However, it's just semantics-all you need to do is have a valid complaint, preferably with verifiable reasons.

    That's assuming you actually had any PPI, of course...
  • scoly
    scoly Posts: 77 Forumite
    Goldiegirl wrote: »
    Yes, I believe it does

    Have you put in a request yet?
  • scoly
    scoly Posts: 77 Forumite
    edited 3 February 2014 at 12:13PM
    Moneyineptitude wrote: »
    The word "claim" refers to what you do if you want to use the policy for what it was intended for. If you demand a refund due to mis-sale, then that is a complaint not a claim.

    However, it's just semantics-all you need to do is have a valid complaint, preferably with verifiable reasons.

    That's assuming you actually had any PPI, of course...

    But the OP asks to "claim back" not put in a "claim".

    Surely that can only mean claiming back any premiums paid.

    The MSE article is nothing about making a claim on the policy.
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    scoly wrote: »
    Have you put in a request yet?
    It's hardly up to forum users to tell MSE to update their articles. To be honest, if any needs updating/overhauling it's the Bank Charges one rather than the PPI.
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    scoly wrote: »

    Surely that can only mean claiming back the premiums paid.
    Semantics….
  • scoly
    scoly Posts: 77 Forumite
    Moneyineptitude wrote: »
    It's hardly up to forum users to tell MSE to update their articles. To be honest, if any needs updating/overhauling it's the Bank Charges one rather than the PPI.

    I thought this site was all about helping one another?

    MSE invites comments on a special email address where an MSE'er feels a item requires updating.

    In order to keep the extremely busy folks in MSE Towers happy, I would suggest you keep the messages to one article per email, explaining your reasons why ... with links to supporting evidence where appropriate :)
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