Reclaim PPI - lack of information

abanksie

Hi, my mother had various loans from Lloyds and mortgages but she can't remember the amounts or details as it was a while ago. Martin says if you can't remember to do a credit check but these are over 6 years. How do we check if my Mum is entitled to any compensation? She no longer banks with Lloyds? Any advice would be appreciated. Thanks

Nasqueron

Nobody is entitled to compensation first of all.

If the account was active in the last 6 years then you check on the credit agencies (Noddle/Experian/Equifax using the free trial or £2 statutory report)

Beyond that, ring up each lender and ask them, you may need to risk £10 on a DSAR (request for all the date they still hold on her)

Once established that she did have PPI, work out the complain reasons about why it was miss-sold and gather any evidence she has to support her reasons

Do note MPPI on a mortgage is considered useful and is rarely ruled as miss-sold due to the life changing impact of not paying a mortgage vs loans where PPI was frequently miss-sold

dunstonh

How do we check if my Mum is entitled to any compensation

Noboby is entitled to compensation. That is not how it works.
If you believe you were mis-sold the you put in a complaint giving your reasons for complaint. If the bank feels you have a case, then they will refund the premiums paid plus interest. If they feel there is no case then they reject the complaint.

She needs to contact Lloyds and ask them to check if she had PPI. Then she needs to give her reasons for complaint if they say yes.