No idea what needs to be done with no paperwork, help!!!

Tigsteroonie

daddyphil wrote: »

Many thanks Tigsteroonie,

Is there no way i can find out what cards i have had in the past, i have had so many with balance transfers etc i have lost all trace of them.

Also, i am taking your wording of "institutions" is meant to mean banks?

Will they tell you what accounts you have had etc? I have nothing to tell me what type of account i may have had, only that i used to pay for them.

If you cannot remember, then a commercial claims company won't be able to help. They have access to nothing more than you tell them, plus your credit record (which you can get for £2). Besides if you don't know what you had, how on earth do you know whether you were mis-sold PPI on them? I think you're clutching at straws and, if you're that short of money, get yourself over to the various debt-free boards on here for ideas.

Yes, by institutions I meant banks, b/societies, mortgage providers, credit card companies, ec.. It's quicker to say 'institutions'.

sun73

daddyphil wrote: »

Where do i find the FOS form?

The FOS questionnaire can be downloaded from the Financial Ombudsman Service website. or some banks have their own version, look under PPI complaints for each lender you had credit with.


The easiest method has already been described to you by an earlier poster. Just send a letter with all your details and complaint reasons to the banks involved. If they say they cannot locate any records, send a SAR with a cheque for £10 for a more in depth search and see what it brings.

societys_child

sun73 wrote: »

The FOS questionnaire can be downloaded from the Financial Ombudsman Service website. or some banks have their own version, look under PPI complaints for each lender you had credit with.


The easiest method has already been described to you by an earlier poster. Just send a letter with all your details and complaint reasons to the banks involved. If they say they cannot locate any records, send a SAR with a cheque for £10 for a more in depth search and see what it brings.

The poster doesn't know who the banks or thc CC companies were and appears not know if he even had any ppi at all.
That's an awful lot of £10 notes he going to need. How many banks and CC co's is there/ has there been over the years?

That's before they start with reasons (if there actually was any ppi) in what way it was mis-sold.

empressemma

Tigsteroonie wrote: »

Simply write to the institution. Tell them your name (and any previous names); your address and previous addresses; your date of birth. Tell them what kind of account you had (mortgage, credit card) and that you believe you were paying PPI on it. Then tell them why you think you were mis-sold that PPI. Ask them to investigate. Job done.

Sorry to jump on someone else's post, but may I just double check something? Our first mortgage was in 2003, and we paid PPI on it till we got wise to it and cancelled it, but that was sometime later. We were basically told that we had to have PPI, no option, therefore I've been thinking about claiming it back.
I know the mortgage was with nationwide, but don't know if the PPI was with them or a third party.
After reading the info above, do I just send a letter as described above to nationwide?
Many thanks, Emma

dunstonh

empressemma wrote: »

Sorry to jump on someone else's post, but may I just double check something? Our first mortgage was in 2003, and we paid PPI on it till we got wise to it and cancelled it, but that was sometime later. We were basically told that we had to have PPI, no option, therefore I've been thinking about claiming it back.
I know the mortgage was with nationwide, but don't know if the PPI was with them or a third party.
After reading the info above, do I just send a letter as described above to nationwide?
Many thanks, Emma

Nationwide only retailed MPPI that was monthly premium and paid by direct debit from your current account (that is how PPI should be set up which is one of the reasons why most MPPI complaints fail). So, you could see it on your bank statement.

You complain to Nationwide if they sold you the product.