Questions from lenders

Albionchez1

Hi,


I have recently started looking at PPI refunds but due to me not being very good with these things I have decided to let a company do the work for me.


It turns out that I have quite a few PPI policies with Barclays, I cant remember how any of these where taken out or what for if I'm honest.


The thing is I have received a letter for each of these policies listing a load of questions. Questions which I have no idea of the answers to.


They are:


Did you know that PPi was optional?
Did you feel that by taking PPI this would mean your credit would be approved?
Did you feel pressured into taking PPI?
Where the T&C's explained to you?
Where you aware of how much PPI would cost?
Where you asked if you had any other insurance?


How was PPI sold to you?
What was the reason for borrowing money?
What was your employment status at the time?
What was your job title at the time?
If you were employed when you took out the PPi would you have received any pay from your employer if you hadn't been able to work due to sickness or accident, ot were made redundant?
If you hadn't been able to work would you have had any other way of making the repayments?


Now, I'm sure as with a lot of people I didn't know I had had any PPI policies let alone the ins & outs of them.


Should I just put "Can't Remember" on all the answers or are there some bulk standard answers I should use.


Surely just because I can't remember these policies it shouldn't mean that I should be at a disadvantage?


Thanks for any help.

[Deleted User]

Albionchez1 wrote: »

Should I just put "Can't Remember" on all the answers or are there some bulk standard answers I should use.

You should always send only the truth.

Albionchez1 wrote: »

Surely just because I can't remember these policies it shouldn't mean that I should be at a disadvantage?

If you have no memory, no records and therefore no verifiable complaint reasons then of course you are at a disadvantage compared to those who have all or even some of those things.
This doesn't mean your complaints won't be successful however.

Do be aware that using a Claims Company means that you'll pay around a third (plus VAT) of any redress awarded. That's a huge amount for essentially putting a stamp on the envelope containing your complaint.

Nearlyold

Most of the questions would relate to the complaint reasons that the Claims Company probably used (made up??) on your behalf, have you seen a copy of the complaint the company sent in?

The problem is if you just put "can't remember" to every question this may very well contradict what the Claims Company have said on your behalf in the complaint.

Nasqueron

There's a fairly high chance the claims firm (who, let's be honest, have no special powers and are doing nothing you couldn't have done yourself - indeed, as you can see from this, you still have to do the work yourself even though you are paying a firm to do it!) has simply sent in a template with all the usual lies about how you remember you were told you had to have it or your application wouldn't be accepted, plus you had 10 years sick pay, guaranteed redundancy of 5x salary and various other guff.

I'd suggest speaking to the firm to establish exactly what they sent the bank or you'll end up sending in something that contradicts what they wrote and destroying your complaint

If you are insisting on using the firm, tell them to do it for you, if you are going to answer all these and send back to Barclays, what exactly are you paying the firm for?