ADVICE PLEASE = brand new to PPI claims

wbr

I am just now starting to review any claim potential I may have wrt PPI.
Quite a few of my historic accounts "MAY" have included PPI, but the base documents are long gone!
I spoke to one provider (= Halifax) who assured me that there was no PPI in play in respect of my various products with them over the years.
HERE IS THE SIMPLE QUESTION = do I trust the quick word of an unknown individual in an unknown location call-centre, or do I seek to delve deeper?
Many of you have probably already been through this, so I hope your best advice will help me out.............and of course if the advice is to delve deeper, just how exactly do I do that?
Stay safe + thanks for reading + grateful in advance for any comments and inputs.

[Deleted User]

wbr wrote: »

do I trust the quick word of an unknown individual in an unknown location call-centre, or do I seek to delve deeper?

It's your choice. Certainly, no one at the Halifax will tell you that you didn't have PPI if they can clearly see that you did.

You can send a Subject Access Request (SAR) letter to each of your lenders at a cost of £10 for each. Template letter here;
https://forums.moneysavingexpert.com/discussion/1475553

This will provide all details the Banks have kept on file for you for at least the last six years and (sometimes) more.

Could prove expensive, especially if you get a nil return on any PPI.

dunstonh

HERE IS THE SIMPLE QUESTION = do I trust the quick word of an unknown individual in an unknown location call-centre, or do I seek to delve deeper?

It isnt so much about trust but information. The bank clerk at the branch of the call centre operative may have information available to them about relatively recent stuff but may not know about historic things. Especially things that may have dropped off the system due to age or existed before the system was in place.

if you dont believe them then spend £10 (per person) on a data subject access request.