PPI Reclaiming successes and failures

dunstonh

Billandben wrote: »

Hello

Don’t know if you can help me but I have all my statement from my credit cards and account numbers but can’t find anywhere where it says ppi they statements were from 2006

Any help would be greatly appreciated x

PPI would appear as a transaction on the statement if you were paying it. If you dont see an entry for it on your statements, then you dont have PPI.

icklehelen

Just got off the phone with S@ntander who are now looking into the 5 store cards I had with various high street shops back in the early 2000s. The lady was incredibly helpful as previous letters had said they could not find anything from my details!!!

I'm hopeful but still think I can't beat the £2500 I got on Christmas Eve from Barclays!!!

So far my only other PPI reclaim has been for a whopping £2.86 from Capital One :rotfl:

ickle

philgee

I just thought I quickly post our PPI story and also our thanks to MSE for the advice and also for the free Resolver tool.
After ignoring PPI for the last decade, believing that we'd never had any cover, we finally decided to look into it after the deadline for claiming was brought in (even then we've taken a few months to pull our finger out!)
Using the advice on here, we contacted all the banks and companies that we could remember ever having a product with (using their online PPI checking forms) and then used the MSE/Resolver tool if they came back saying PPI had been found.
So far, we've had £270 back from Capital One & £1580 from the Halifax. We still have some claims being investigated, including 2 with Santander which I think were for store cards from about 20 years ago that we'd completely forgotten about (we contacted them as we had a car loan with them 9 years ago).
There's still a couple of companies we need to phone as they don't have online forms, but even if we don't have anything else to come back, it's only taken us a couple of hours each to get this money back.
So thanks again MSE and everyone that has posted good advice about PPI. If anyone is reading this thinking they won't have anything to claim, think again and find out for yourself!

tomostei

Thank you very much for your advice, got a refund of just over a thousand pounds from LLoyds Bank despite the loan being 20 years old.

Failure with alliance and leicester - had 2 car loans with them after lloyds BUT Santander tell me they have no records - they had the same info as LLoyds - just a current account number. I even sent them a cheque as advised here (£10?) banked the cheeque but tell me I cannot ask again

[Deleted User]

What did you send them 10 for? SARs have been free for almost a year.

If they banked it, it suggests that you owe them some money and they've offset it against the debt.

Nasqueron

tomostei wrote: »

Thank you very much for your advice, got a refund of just over a thousand pounds from LLoyds Bank despite the loan being 20 years old.

Failure with alliance and leicester - had 2 car loans with them after lloyds BUT Santander tell me they have no records - they had the same info as LLoyds - just a current account number. I even sent them a cheque as advised here (£10?) banked the cheeque but tell me I cannot ask again

You can submit a SAR for free these days since GDPR, you can do it more than once though more than twice is a bit pointless as by law they have to destroy data they no longer need and more than 6 years since it was closed you are increasingly likely to see that happen

tomostei

The£10 was around a year ago, just disapointed that Santander has been so difficult. LLoyds were helpful with an older loan but Santander I guess can use the no records excuse as they took over the A&L which I where I had my loans

To give you a bit more detail I had 2 car loans as I hated the first car, p'exd it lost loads of money so took out a 2nd car loan for the next car while I still was paying off the first - to make it worse after a couple of years went into the branch in Guildford for something and was persuaded to close /pay off the 2 loans that had PPI and took out a new one without ppi

[Deleted User]

tomostei wrote: »

just disapointed that Santander has been so difficult. LLoyds were helpful with an older loan but Santander I guess can use the no records excuse as they took over the A&L which I where I had my loans

It's really not an "excuse", they are simply complying with Data Protection.
Do you really think Satander should have kept old records for closed accounts from Alliance and Leicester?

Lloyds were also not just being "helpful". Again, they were simply complying with Data Protection. They still had records of your old loan and so were obliged to provide them to you.

-taff

Sanatnder are reliant on records from other businesses and there's no reason or obligation to retain records from closed accounts, nor any responsiblity to do so beyond the recommended 6 years.
You are the one maing the complaint. You are the one who must provide evidence if they no longer have it.

tomostei

Thank you for your support, I shall always wear it:money: