Who to claim PPI from?

gulfv_2

First post on these boards so be kind...

Unfortunately my mother passed away last year and as she was dad's carer, dad had to go into a nursing home. That left me in charge of clearing the house of 50 years of paperwork, furniture, belongings etc.

While sorting through the paperwork I have come across several front loaded PPI loans, credit card, and store card policies most of which have been sorted.

However I have one for my father from 1986! I have a letter from 'Bennett Gould and Partners' which has a PPI certificate of insurance attached. The letter mentions the loan is with First National Securities (for which I have no address), the insurance is underwritten by Bennett Gould and the letter says any claim should be addressed to Graham Miller & Co.

My question is who do I address the PPI claim to?

MTIA for any advice

Gulfy

Nasqueron

gulfv wrote: »

First post on these boards so be kind...

Unfortunately my mother passed away last year and as she was dad's carer, dad had to go into a nursing home. That left me in charge of clearing the house of 50 years of paperwork, furniture, belongings etc.

While sorting through the paperwork I have come across several front loaded PPI loans, credit card, and store card policies most of which have been sorted.

However I have one for my father from 1986! I have a letter from 'Bennett Gould and Partners' which has a PPI certificate of insurance attached. The letter mentions the loan is with First National Securities (for which I have no address), the insurance is underwritten by Bennett Gould and the letter says any claim should be addressed to Graham Miller & Co.

My question is who do I address the PPI claim to?

MTIA for any advice

Gulfy

It is sent to whoever sold it to them

The down side is if it came from a broker, given the dates it would be pre-regulation and thus there is no-one to complain to (even if the broker is still trading they can dismiss it as pre-regulation with no access to the FOS).

I found a similar post on First National Securities on the MSE forum suggesting they are no longer trading so I'd let this one go as you have no-one left to complain to

https://forums.moneysavingexpert.com/discussion/5205310

dunstonh

You would complain to the broker. However, brokers were not regulated until January 2005. This is nearly 20 years before regulation started.

Plus, the broker has ceased trading. So, there is no legal entity to complain to any more. They would have rejected it as pre-regulation anyway. As it is pre-regulation, you cannot complain to the FSCS as they only consider post regulation cases.

Game over on this one.

gulfv_2

Thanks to both replies, didn't even think of 'pre-regulation', so glad I asked here first.