Reclaiming PPI on old cards

lozzer1701

Hi folks Been a long time!

Sorry if this is a long post, but please bear with me!

Hopefully you can help me out. I know Martin's guide is pretty comprehensive, but I'm still managing to get myself confused! I have had three credit cards in my time, one of which was closed several years ago and two of which are still 'active'. Part of my problem is I cannot find any paperwork relating to when the cards were originally taken out. Hopefully you can help clarify what I need to do?

Below, in a nutshell, is what I have-

1) Bank of Scotland Mastercard. The only one where I pretty much have a fairly definite date - 7-9 Oct 1994. It was the 'Star Trek' themed card they did for several years. There was a convention at the Holiday Inn in Leicester, and the salesman collared me as I walked into the foyer. This card ran up until about 1998 (I kept on of the cards because it had the Enterprise D on it! It ran out in 1998), when the Star Trek scheme ended and I was rather arbitrarily issued with a Mastercard Classic, which I have had ever since. At no point was I asked what requirements or details were or if they had changed, and it's quite possible that I could have been signed up to something then.

2) Barclaycard. I think this was in the early part of the millennium, though I'm not sure. I have a vague recollection that it was in branch.

3) Marbles Mastercard. (CLOSED). Again, early part of the millennium. It was originally with HFC, then BOS, now I have no idea So I wouldn't know who to direct any claim to!

I've recently had some success reclaiming PPI on a Barclayloan, helped by the fact that I found some paperwork on it during a clear-out. Looking at the PPI details for that with 'fresh' eyes and what it was reporting it covered, left me wondering why I had it in the first place and what I needed it for, as I would have been well covered by other insurances / work (I get full sick pay for up to 6 months, and if any redundancies have been made the payouts have typically covered over half a year's wages), as well as some savings. It would be the same case for the cards. I'm only likely to have signed up for the PPI if, despite everything, I was left feeling I needed it to get the credit.

So... I guess I'm asking 'Where do I start??' with this little lot...? Any thoughts or suggestions are much appreciated x

[Deleted User]

You write to each lender, explaining why you feel you were mis sold the PPI.

Marbles is currently owned by NewDay.

lozzer1701

...Even with the lack of information...? Is it really that simple? I've looked at a couple of the forms available relating to claiming, and they seem to be asking for information I simply don't have. I can't give more precise dates, who I may (or may not) have spoken to... and, in the case of the BOS claim, I can't provide any information on earnings at the time the policy was taken out and I can't find out either because the company I was employed by at the time no longer exists. All I know is (like I've already said), I would have had cover elsewhere. That's about all I can say....

Nasqueron

You don't need paperwork from when it was taken out, all you do is look on your statement (assuming you didn't pay off in full every month) and see if it has PPI on it (it will be a single separate item on the bill) and then present your complaint reasons to the banks (remembering it was only at the point of sale, not anything that happened later)