Ppi

mmoyra

our loans were with TSB more than 15 yrs ago , is there still a time limit on reclaiming ?

mmoyra

we also have none of the original paper work etc.,

[Deleted User]

Did you actually have PPI? No point complaining if you didn't..

Even if you had PPI, that's not in itself any reason to complain. In order to get a refund, it has to have been mis-sold to you.

The problem with old finance is that the Bank may no longer have any records. So, while there is no limit on how far back you can complain, you'd need comprehensive evidence from your own archive to stand any chance of success.

mmoyra

Also wondered if the fact our TSB branch changed to Lloyds TSB then back to TSB , would make a difference , and i'm quite sure there was insurance on the loans but wouldn't know where to start

[Deleted User]

mmoyra wrote: »

Also wondered if the fact our TSB branch changed to Lloyds TSB then back to TSB , would make a difference

None whatsoever.

mmoyra wrote: »

and i'm quite sure there was insurance on the loans but wouldn't know where to start

You could start by sending the Bank a Subject Access Request (SAR) letter which will cost you £10. If this returns no useful information then your "complaint" is over before it's begun.

mmoyra

who Shell0 ?

mmoyra

thanks is there a template for a sar letter link on here ?

[Deleted User]

mmoyra wrote: »

thanks is there a template for a sar letter link on here ?

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

Do be aware that it's very likely £10 wasted on finance so old. Even if old loans are shown, it won't show proof of any PPI payments made.