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Too late?
Pinklepurr
Posts: 331 Forumite
My DH had an Amex credit card in around 1998/1999 which I am certain that he was paying PPI on.
We would like to check if he was missold PPI. At the time he was far from financially savvy. However, we no longer have the account number or any paperwork and have since moved house twice. Is it possible that if we write to Amex they can supply copies of statements and signed application forms after all this time, or have we left it too late?
We would like to check if he was missold PPI. At the time he was far from financially savvy. However, we no longer have the account number or any paperwork and have since moved house twice. Is it possible that if we write to Amex they can supply copies of statements and signed application forms after all this time, or have we left it too late?
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Comments
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If you have no records you have to send a DSAR (request of everything bank holds on you) with £10 payment - see details here:
https://forums.moneysavingexpert.com/discussion/4930295
If you have no records and they have no records (likely if the account was closed more than 6 years ago) then it's the end for your complaint.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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That's 15 years ago.:eek:Pinklepurr wrote: »My DH had an Amex credit card in around 1998/1999 which I am certain that he was paying PPI on.
If the account has been closed that long there is certain to be no record going back so far and a Subject Access Request (SAR) would very likely return nothing at all.
Do note that it's not somehow wrong to have insurance, in order for it to be refunded to you it would have to have been mis-sold to you. What reasons would you have had for complaint?0 -
I do hope the late 90's weren't 25 years ago0
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