PPI claim on store cards

Beck1012

Hi I'm looking for some advice please. About 10 years ago I took out two store cards, one for Topshop and the other for Dorothy Perkins. I cannot remember if I was mis sold PPI or not at the time and now want to find out.
I think back then the cards came under Santander but now I believe it's Newday Ltd. I paid them both off around 6 years ago but I want to find out if I was mis sold ppi.
I signed up to experian but I can't get any more info except to say that the cards are 'settled' and I don't really want to have to go through a no win no fee company - what's the best way to go about finding out if I was mis sold ppi when I don't have any account details ? The new day Ltd site says you can ring them directly and not to bother going through a claims company but I don't know if I trust that...
Any info would be much appreciated as this is my first time trying to find out about ppi. Thanks

tomtontom

If you can't remember if you were missold, how do you expect anyone else to tell you? You need to give a reason for complaint!

Beck1012

Yes but that's what I'm asking. Is there a way to get a detailed report that shows I was mis sold? I was only 18 at the time and all I remember doing is signing up for store cards - I'd never heard of ppi until all these claims companies started advertising so I have no idea.

[Deleted User]

Beck1012 wrote: »

Is there a way to get a detailed report that shows I was mis sold?

There is no "report" of mis-selling, nor of PPI accounts.

If you want to know whether you had PPI, you need to approach the financial institution concerned and ask.

It's then up to you to provide a legitimate complaint of mis-selling.

Mersey_2

You don't need to use an agency and I wouldn't.


PPI Q to Santander > FOS > Genworth is proving a successful route for those students who had store cards around 2000 onwards with Arcadia Group stores such as TopShop, Burtons, Dorothy Perkins etc.


There's also a few people on here who have taken this route recently and reported successes on here and on other sites in recent days.


We can't say you'll be successful; but, you may well be and of course, you won't know unless you ask Santander for your old store card number etc and refer the matter to the Ombudsman if you need to.

Mersey_2

I forgot to add the link to the address for Genworth:


www.mirror.co.uk/money/you-used-store-card-1990s-7114139

Nasqueron

Mersey wrote: »

You don't need to use an agency and I wouldn't.


PPI Q to Santander > FOS > Genworth is proving a successful route for those students who had store cards around 2000 onwards with Arcadia Group stores such as TopShop, Burtons, Dorothy Perkins etc.


There's also a few people on here who have taken this route recently and reported successes on here and on other sites in recent days.


We can't say you'll be successful; but, you may well be and of course, you won't know unless you ask Santander for your old store card number etc and refer the matter to the Ombudsman if you need to.

The problem is the OP thinks they were miss-sold but wants us to provide reasons WHY they were miss-sold which is as bad as the CMCs with their templates of lies. Having PPI and knowing the process is all well and good but trying to get people to help them come up with complaint reasons is naughty.