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Finding out if you had PPI
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WG0608
Posts: 30 Forumite
I had cards and some fairly high balances with MBNA, Virgin and Halifax between 2004 and 2010. I have called each of them and asked if I had PPI, they all said no. Could they just say no or are they legally obliged to tell you if you did have PPI?
Thanks.
Thanks.
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Comments
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I had cards and some fairly high balances with MBNA, Virgin and Halifax between 2004 and 2010. I have called each of them and asked if I had PPI, they all said no. Could they just say no or are they legally obliged to tell you if you did have PPI?
Thanks.
They are not legally obliged in as far as there is no law saying they have to, but realistically they are not going to say no if you have. If you did then it would have been on all of your statements, it's pretty hard to miss.0 -
I had cards and some fairly high balances with MBNA, Virgin and Halifax between 2004 and 2010. I have called each of them and asked if I had PPI, they all said no. Could they just say no or are they legally obliged to tell you if you did have PPI?
Thanks.
Every single statement on every single month for cards which had PPI (where you had a balance at the end of the month instead of paying off in full) it would have been listed as a separate item with the cost next to it - if it's not on any statements, you didn't pay it.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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Ask them for copies of the paperwork and agreements if you don't believe them. Some companies and complaint handlers working for them will lie to get you out the door0
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Whatever you do don't under ANY circumstances use a CMC. Do it yourself all a CMC will do is take between 30% and 50% of what is rightfully yours plus the attendant 20% VAT(which you don't pay if you DiY) for a price of stamp and get you to do all the work.
CMC's are a bigger scandal than the mis-sale of PPI (at least the later is being corrected).
Marty...0 -
Read this, pay attention to the differene beween closed and open accounts. Its not as simple as merely asking for statements, you need to send a SAR and £10 to each company for records if the acount is closed.
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insuranceNon me fac calcitrare tuum culi0 -
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