Can you help me with ppi claim

Clubber2010

My problem is I can't remember if I had it at all.
I have had loans, credit cards and bank charges. Is it possible to claim all of these back at the same time?
I have been with rbs bank and tesco and barclaycard credit cards.


I don't know any account numbers and some of these were over 5 years ago.

How can I do this?

My mum had someone call her once and she only had to give her name, they claimed back thousands for her. I'm inclined to do this because it all seems easier than what is explained on the site.

I tried about 2 years ago with the form
On here but I thjnk I sent to ombudsman, although I don't know account numbers I have never heard back...

If I don't know account numbers or even if I had poi etc then I'm never going to be able to fill in the form.
How do you go about this??
I don't want to be on the phone hours at a time to a bank and get nowhere.

Does someone want to Do this for me? Lol I'd pay haha

Clubber2010

Also when Ivr looked on this site I can only see a form
That you fill in for the bank asking for account numbers, why you took the loan etc. I see no letter that gets sent to bank.
I've tried following the guide but it's not helping me,
do I write letter first then fill in that form and sent, or how exactly does this work? Thanks

[Deleted User]

You'll need to send a SAR and £10 to those lenders you think you had PPI with. If any of them respond showing that you had PPI, you make a complaint, telling them why you think you were missold.

But given you don't seem to know whether you had PPI or not, and presumably therefore why you were missold it, it all seems like a bit of a fishing expedition.

boam

Take 30 day free trial with Experian.
Remember to cancel before 30 days is up.

Take note of the lenders and as above send a SAR and £10 to the lenders. If you you want a company to do it all for you you will still need to get a credit report, and then give up up a fair chunk of any claims if they are successful to the company.

Nasqueron

boam wrote: »

Take 30 day free trial with Experian.
Remember to cancel before 30 days is up.

Take note of the lenders and as above send a SAR and £10 to the lenders. If you you want a company to do it all for you you will still need to get a credit report, and then give up up a fair chunk of any claims if they are successful to the company.

Claims company will just send a DSAR to anyone and everyone the OP mentions they might have used and then bill the £10 from any refund they get - they will have done this for the OP's mum

meer53

The main question you need to ask yourself is whether you want to pay possibly a 4 figure sum to a company to do this for you, or whether you want to spend £10 x 2 and a couple of 1st class stamps ? Bit of a no brainer really.

Ed-P

Don't take it to a claims company, it's a waste of money and every single one of these banks and financial services have procedures in place to make sure you can make the claim yourself.

They also have an obligation to inform you of any PPI payments you have made, and if they don't then it's definitely time to take your PPI claim to the financial ombudsman service, as impartial help and resources can be very useful.

Nasqueron

Ed-P wrote: »

Don't take it to a claims company, it's a waste of money and every single one of these banks and financial services have procedures in place to make sure you can make the claim yourself.

They also have an obligation to inform you of any PPI payments you have made, and if they don't then it's definitely time to take your PPI claim to the financial ombudsman service, as impartial help and resources can be very useful.

FSO will just bounce it to the bank if the OP has not initiated a complaint with the bank - you have to give the bank the chance to review the complaint first and make a decision

Insider101

Ed-P wrote: »

Don't take it to a claims company, it's a waste of money and every single one of these banks and financial services have procedures in place to make sure you can make the claim yourself.

They also have an obligation to inform you of any PPI payments you have made, and if they don't then it's definitely time to take your PPI claim to the financial ombudsman service, as impartial help and resources can be very useful.

This is nonsense. There is no obligation to inform you of any PPI you have taken out (though they will do it if you ask them). And the Ombudsman is there to adjudicate on complaints where a full investigation has taken place, a final decision issued and the parties are still not in agreement. They do not get involved with requests for information.

Clubber2010

Deleted_User wrote: »

You'll need to send a SAR and £10 to those lenders you think you had PPI with. If any of them respond showing that you had PPI, you make a complaint, telling them why you think you were missold.

But given you don't seem to know whether you had PPI or not, and presumably therefore why you were missold it, it all seems like a bit of a fishing expedition.

Well technically, if I did have it and i didn't know then I
Must have been mis-sold it. Thank you for that, I will first send SAR

For info - i just found it that it was actually RBS who contacted my mother and not a claims company .
Surely if I did then they would contact ME to?

Nasqueron

Clubber2010 wrote: »

Well technically, if I did have it and i didn't know then I
Must have been mis-sold it.

Not really, you could simply have forgotten signing for it - claiming you didn't know you had it is the oldest excuse going.

Moreover, for PPI on a credit card the only way you could not know about it was if you binned your statements without ever reading them as the charge would be on every single one.

With a loan, you would have signed a document to say you agreed to it or wanted it so again, forgotten maybe, not hidden.

Regarding miss-sale:

If you had PPI and it was included in the loan (single premium) then you should focus on that as you'll almost certainly win that case. If it was on a loan and set up as a direct debit then again the only way to miss it would be to ignore bank statements (and that isn't a miss-sale reason) so you would need to look for reasons why the PPI was unsuitable (e.g. working less than 16 hours a week, or if self-employed, if it would be difficult to claim on).

Clubber2010 wrote: »

Thank you for that, I will first send SAR

You don't need to do a DSAR in the first instance - just ring up the banks and ask them, it costs nothing and they can often tell from account numbers whether you had it - it's only if the front line staff can't see any record of it and you have no records of your own that you'd need to do a DSAR to see what the company has left.

Clubber2010 wrote: »

For info - i just found it that it was actually RBS who contacted my mother and not a claims company .
Surely if I did then they would contact ME to?

Probably one of the letters they are sending to everyone who had PPI to allow them the chance to complain and to allow the bank to time bar your complain in the future (the FOS considers a letter delivered 2 days after it was posted first class so even if you didn't receive it, if the bank could prove they sent it, that is enough - this is to stop the obvious get out clause of a time bar by claiming you didn't get the letter when you did)