Just need a rant about PPI

norangeduck

Everyone is saying reclaiming PPI is easy, just phone up and boom - I haven't found it so easy, for instance I phoned around 5 different companies as apparently I held my loan with them, and each said it wasn't them I needed to speak to.

I am now trying to find out if I had ppi on credit cards, so I phone them up, and I get another phone number, and they tell me we need an account number, which I do not have, as these accounts are 5 years old!!!

Anyone else not having an easy time of it??!!

[Deleted User]

It's very easy to complain if you know the Bank, definitely had PPI and have valid mis-selling reasons.

You don't really think the telephone is going to do your research for you?

Look through your old documentation and see if your old statements show PPI.

Failing that, you'll have to send Subject Access Request (SAR) letters, at a cost of £10 for each, to all the likely lenders.This could be expensive, as you don't appear to know if you even had any PPI.

norangeduck

According to Martin's advice - give the company a ring, so yes, I had hoped that I might get at least one step further than I am!!! Even with looking at my credit score, I have the details of all my accounts, but so many companies have changed hands, or merged or don't merge old customers details, it feels liked i'm getting passed on and passed on again! I bet there are quite a number of people who have no idea if they were mis-sold PPI, I am one of them.

roonaldo

It sounds like you might be looking for something that wasnt there. There is no such thing as reclaiming PPI. If PPI existed and you feel it was mis-sold you need to make a complaint about it. Request a DSAR for your account information.

saver861

norangeduck wrote: »

According to Martin's advice - give the company a ring, so yes, I had hoped that I might get at least one step further than I am!!! Even with looking at my credit score, I have the details of all my accounts, but so many companies have changed hands, or merged or don't merge old customers details, it feels liked i'm getting passed on and passed on again! I bet there are quite a number of people who have no idea if they were mis-sold PPI, I am one of them.

Well, I took out a Mortage and MPPI with Standard Life Bank. This was subsequently transferred to Barclays when they took over all Std Life's mortgages. Though, I took out the MPPI with Std Life, my monthly payments etc was to Cardif Pinnacle.

So Barclays initially told me there was no PPI on my mortgage. Cardif Pinnacle told me that I took out the MPPI with them directly and I would have to complain to them, which I did. They then decided it was not them at all and I had to go back to Barclays - which I did.

Barclays then tried to convince me it was not MPPI I had but Life Insurance! I then got the documentation to prove that yes it was indeed MPPI.

Standard Life told me to get lost as they did not want to know.

So it did take a bit of time to get them all to realise who was who and what was what. So there will be some time involved in getting the right info, documentation etc.

And, at the end of all that, Barclays turned down my complaint!!

Ah well .. as they say, life's a ...