Can i still claim/request info?

haddock_n_chips

So about a year ago out of the blue i had a letter from HSBC indicating they may have mis-sold me a PPI type product on a loan i had.

I filed the paperwork honestly and to the best of my knowledge and received a payment back in the post. Very nice!

Now i have been thinking about a couple of other credit cards i had at a similar time that i may have had a similar PPI insurance on them.

I was young, straight out of uni and needed to rely on credit cards (and the HSBC loan) at the time. However i was in a steady full-time job so, as with the HSBC loan, it was deemed that the PPI was not actually suitable for me, hence the re-payment.

The problem is whilst i can remember the banks (Egg, MBNA & Marks & Spencer) i have no paperwork left.

It would have been around 2005/2006/2007 time

I know the addresses i would have been registered to, but without any paperwork and the timescale, i think it will be unlikely the banks/lenders involved would still have records?

I'm not trying to just grab more PPI claim refund, i'm pretty sure the MBNA one did not have the insurance, however i think the Marks & Spencer did, i'm more intrigued to see if i can still claim with it being such a long time ago?

I know i could just call up someone like the claims guys, but they sound like a pain in the... and they would take a large cut if it were deemed that i was eligible for a claim.

Has anyone had any experience of a similar situation? Or should i just mark it down to experience and forget about it?

Thanks for reading

dunstonh

I know i could just call up someone like the claims guys, but they sound like a pain in the... and they would take a large cut if it were deemed that i was eligible for a claim.

And do nothing that you have done yourself.

I know the addresses i would have been registered to, but without any paperwork and the timescale, i think it will be unlikely the banks/lenders involved would still have records?

Records do get destroyed over time but it tends to be on a phased basis. Mid to late 2000s may still have full enough records as the PPI had already started by the time they would normally have started destroying stuff.

So, you should proceed with your complaints with them.