no paperwork to query ppi 31 January 2016 at 1:41AM edited 30 November -1 at 1:00AM in Reclaim PPI & Other Insurance 12 replies 1.2K views

willP

Hi,

I'm going through all my finances at the moment and figured I should make the effort to try and reclaim any PPI I may have paid over the years. I wanted to start with DFS & Currys credit agreement from about 9-10 years ago however I no longer have the paperwork to see if I was unwittingly sold PPI. Has anyone had this issue before and managed to get replaced documents? If so, how would I go about getting this?

Thanks
Will.

amersall

They will not have kept records from 10 years ago, as you have no paperwork either, there is nothing you can do I am afraid.

ASingleParent

I'm having the same issue, 16+ years ago the store card relates to, no paperwork, no account number or anything but I some searching to find out who my store card was financed by and rang them, Santander. They found me straight away by date of birth and address. They took my complaint over the phone and are now processing it.

So definitely don't write off anything 10+ years ago. Good luck!

Nasqueron

ASingleParent wrote: »

I'm having the same issue, 16+ years ago the store card relates to, no paperwork, no account number or anything but I some searching to find out who my store card was financed by and rang them, Santander. They found me straight away by date of birth and address. They took my complaint over the phone and are now processing it.

So definitely don't write off anything 10+ years ago. Good luck!

The key question is when your card was closed - anything over 6 years is likely to be deleted under the Data Protection Act - a cynic might suggest institutions being more pro-active with closed accounts

ASingleParent

If I'm honest I don't know if it was ever closed, I may have just stopped using it and destroyed the card, I expect I can find out now.

I also inquired separately about a closed car finance from years ago and was told it could be traced via old bank direct debits and all they needed was the ref from that, so there does seem to be ways to do claims from way back.

[Deleted User]

ASingleParent wrote: »

If I'm honest I don't know if it was ever closed, I may have just stopped using it and destroyed the card

After years of inactivity, the Bank will have written to you stating that the account would be closed.

ASingleParent

It was a store card, so the bank wouldn't have been in touch I guess.

[Deleted User]

ASingleParent wrote: »

It was a store card, so the bank wouldn't have been in touch I guess.

It'll still be a closed account years later.

ASingleParent

Seems even with closed accounts though they can still investigate and process complaints, otherwise it would be a straight 'we can't help' after ringing them up.

[Deleted User]

ASingleParent wrote: »

Seems even with closed accounts though they can still investigate and process complaints, otherwise it would be a straight 'we can't help' after ringing them up.

I doubt you'll gets any joy at all "ringing them up". The call centres won't have information about previous customers available to them and even if they did they certainly won't give out personal financial information over the 'phone. The other poster rang a bank (Santander) not Curry's and definitely had PPI. You do not even know if you had it.
You can, however, write requesting a Subject Access Request (SAR) for a fee of £10, but as the others have said there is unlikely to be anything kept on file after ten years.

ASingleParent

I'm the 'other' poster...hee hee. I expect the OP would, like I did, find out who the finance was actually provided by, and get in touch with them, not the shop where it was sold.