We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
no paperwork to query ppi
Options

willP
Posts: 1 Newbie
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.
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.
0
Comments
-
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.0
-
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!0 -
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 accountsSam 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.
0 -
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.0 -
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 card0
-
It was a store card, so the bank wouldn't have been in touch I guess.0
-
ASingleParent wrote: »It was a store card, so the bank wouldn't have been in touch I guess.0
-
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.0
-
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.
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.0 -
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.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.8K Work, Benefits & Business
- 598.6K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards