Using the Claims Guys to check if PPI existed

onetimeatponycamp

A friend of mine told me that she used a CMC to check if she had PPI, then she proceeded with the claim herself so she didn't have to pay the CMC.

The Claims Guys have been advertising a "free PPI check" and you can then choose whether to use them to reclaim or do it yourself. I just wondered if anyone has any thoughts/experience of this? I'm not really clear from the paperwork to check if PPI existed as to whether that is actually already entering into an agreement with them, although all their advertising does say that you aren't committed until you get back the paperwork saying you had the PPI.

I have no idea if I did have PPI, I've had a variety of credit cards and one loan over the last 16 years. I haven't claimed to date because I'm pretty sure that I always avoided PPI as I knew it wasn't worth it, however now I'm wondering if it was on there without my knowledge.

Nasqueron

Claims companies have no actual way to check if you had PPI, all they will do is ring up anyone you ever had a loan or credit card with and ask (or more likely assume based on probabilities as I doubt the firms would tell a third party) - they have no special powers and cannot do anything you can do

You might as well just do the legwork rather than ask them to do it for you

Oh and don't believe the myth that it was on there "without your knowledge" - on a credit card any month you didn't pay off in full PPI would be listed as a separate item. The loan would mention it in the paperwork you signed.