Have I got a chance of claiming?

ElmerElephant

Hi,
I answered what I thought was a local call earlier but it was actually Harrington Advisory. The saleswoman said you can claim back mis sold PPI for 37 years and they'll put me on a special fast track service if I sign & return the paperwork in 7 days. After hanging up & doing a bit of research on them & seeing how dodgy they look and relatively easy it would to do it myself and not pay 39% plus VAT I'm not going to return the paperwork.
It also looks like I probably wouldn't get anywhere with any claim but just wanted to check.
I had loans, credit cards, store financing and store cards between 1997-2005 when I went on to a debt management plan. I don't have any original paperwork for any of them. Would these all be pre regulation & be a waste of time even attempting a claim?


Thanks

McKneff

It's doubtful if they would have any paperwork too and as you say, pretty regulation so I wouldn't waste your timemail.

Nasqueron

Pre-regulation is only the store cards, loans and credit cards would be covered, however, if you were in a DMP chances are money was written off so any PPI refund can be off-set against those debts anyway and without paperwork there is limited chance of doing anything.

A claims firm can't magic up details or paperwork if you don't have any

ElmerElephant

No money was written off on the DMP I paid everything back, just took me a while! It was cleared in 2008/9 can't remember now. However obviously looks pointless regardless, thank you

LoobyLou76

Hi I am new to all of this but I have recently enquired with barclays about PPI on an overdraft I used to have with them on a current acc, whlost I was on the phone to the lady at Barclays she informed me of some other loans I may have PPI claims on (very nice of her) so I filled in there online questionnaire and today I received a letter from Firstplus regarding a secured loan I had taken out with them through Loanmakers Limited (now ceased trading) in september 2006. The loan was for consolidation and was for £35,000 with PPI on top of £8750. They also sent me a copy of one of the pages of the confidential application form which clearly has no boxes ticked for payment protection. If I recall correctly we had an outstanding balance with Yorkshire Building Society of £124,700 and Loanmakers encouraged us to get switch mortgage providers to Northern Rock for £100k plus this loan for £35k with a surplus of approx £10k to consolidate some other bits. I hope this is making sense. We since then remortgaged again with Northern Rock and so got rid of that Firstplus loan and since then got into great financial difficulty and after a long time of struggling endlessly had our house repossessed. My question is is it worth pursuing with the FSCS. I have none of the original paperwork and my memory may be a little sketchy as understandibly we were going through an incredibly difficult time financially. The only documentation I have is the one page which has been provided by Firstplus. How will I find out if the PPI was added front end? any advice greatly appreciated. Many thanks

Nasqueron

ElmerElephant wrote: »

No money was written off on the DMP I paid everything back, just took me a while! It was cleared in 2008/9 can't remember now. However obviously looks pointless regardless, thank you

DMP typically involves interest freezes etc - did you pay the full balance including all the interest?

Worst case I'd just ring up the banks and ask, after that you'd have to gamble £10 on a DSAR for every bank to see if they have any records left on you