SAR and PPI

MrNiceGuy_007

[FONT=&quot]Hello
So I have an old 14K EGG Credit card and load of others :beer:

Unfortunately I dont have the agreement from when I first got the card, I take it this is what I need to confirm if PPI was indeed sold or not.

I have read a few threads but would just like to confirm that if I send off for a SAR it will cost £10 also the information will be sent back within 40 days.
Second this information will include a copy of the agreement for the credit card not just the account number because I already know that.

Thanks Guys & Gals


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[Deleted User]

You don't need the agreement, what you need is to know whether you had PPI in the first place and also to have a valid complaint. PPI shows each month on a separate line of credit card statements. If you have statements then you can check these for PPI. If it doesn't show, you didn't pay.

MrNiceGuy_007

Moneyineptitude wrote: »

You don't need the agreement, what you need is to know whether you had PPI in the first place and also to have a valid complaint. PPI shows each month on a separate line of credit card statements. If you have statements then you can check these for PPI. If it doesn't show, you didn't pay.

Is that the case with all loans, creadit cards, car finance etc etc

sun73

If your loans or cards were active in the last six years, the lender should still hold a copy of the agreement, if not they may ask for proof that you had ppi and that you actually paid it. In my experience banks seem to vary on how long they retain data unless you have a current account with them.

societys_child

Moneyineptitude wrote: »

PPI shows each month on a separate line of credit card statements.

jamesb1983 wrote: »

Is that the case with all loans, creadit cards, car finance etc etc

It applies to credit cards which you mentioned in your original post .