Claiming back PPI when you have no paperwork

xxxpinkladyxxx

Hi

I have had so many loans and pretty much every credit card on the market at some point or another but am really wanting to check if I was ever missold PPI, but I don't have the paperwork with policy numbers, credit card numbers, etc, etc. Can I still do it without these details or will Experian give me these details? I had a claims company call me and they claimed that they can get access to that information from their credit reports that they run, which will therefore make them the best people to go with. She said that Experian wouldn't show me my policy number details, etc, because of data protection and all that, but then why would it show it to them if it's MY data?

Anyway, any advice on how I go about it if I don't even know any of the details of my loans/credit cards etc?

[Deleted User]

The CRAs don't store it and the claim company[STRIKE] are lying scum[/STRIKE] cannot access it either.

Write to the lenders you think you had PPI with and ask if they can supply the details, and then make your complaint with the reasons you believe were mis sold.

amersall

You could also phone the banks and ask, they have PPI numbers.
Also, what zx81 said re claims co.

xxxpinkladyxxx

Thanks. Another question, she was saying that with credit cards, if you do a balance transfer from one card to another and they charge say a 3% fee on doing that, that that has PPI embedded in it? I've never heard of that. Surely that's just the bank's transfer fee so that they can get some money out of you and not PPI? I think they just spin thousands of lies in the hope you don't know the answer.

dunstonh

I had a claims company call me and they claimed that they can get access to that information from their credit reports that they run, which will therefore make them the best people to go with.

They would run a credit report on you and that gives the last 6 years in the same way you would run it.

She said that Experian wouldn't show me my policy number details, etc, because of data protection and all that

Policy numbers dont appear on any credit report as PPI is not a credit agreement. Only the loan numbers will appear.

but then why would it show it to them if it's MY data?

Good. You are seeing through their lies.

Anyway, any advice on how I go about it if I don't even know any of the details of my loans/credit cards etc?

Get yourself a Noddle report and make your complaints to those companies.

You cant go back any further than that without knowing who you borrowed from.

xxxpinkladyxxx

Aside from our mortgage, I don't think I've had any loans in the past 6 years and I can't remember all of the companies that I used prior to that. Would I be able to get details from my bank of every direct debit I've ever had set up as I've been with the same bank since 1998?

Nasqueron

xxxpinkladyxxx wrote: »

Aside from our mortgage, I don't think I've had any loans in the past 6 years and I can't remember all of the companies that I used prior to that. Would I be able to get details from my bank of every direct debit I've ever had set up as I've been with the same bank since 1998?

you'd just have to ask them, no-one will know, not least as you haven't said who you bank with! They might have records, they might not, can but ask

Oh and that stuff about balance transfers is absolute guff, a total lie

jaysan

Advice on same topic please : Made a claim to American Express, they rejected it saying account never had PPI - I am sure I did but its so long ago I have no paperwork - They are asking for documentary evidence from me. What can I do - Accept there response or put the onus back on them for them to prove I did not have it. I would have thought it would be upto them to prove "innocence"

[Deleted User]

jaysan wrote: »

I would have thought it would be upto them to prove "innocence"

If that were true, I could say you owe me money and it would be up to you to prove otherwise!

Thankfully, the law says he who asserts must prove, not the other way around.

jaysan wrote: »

They are asking for documentary evidence from me. What can I do?

Either provide the required evidence or give up.

However, you can send them a Subject Access Request (SAR) letter and, for £10, they will send you everything they have kept on file for you...

sarar

I am having trouble locating where to add a new thread, but my mother has no paperwork or anything, but over 10 years ago she had a NatWest Access credit card and is sure that she paid PPI as my dad was sel employed, is there anything she can do to find out I she did pay PPI?

Nasqueron

sarar wrote: »

I am having trouble locating where to add a new thread, but my mother has no paperwork or anything, but over 10 years ago she had a NatWest Access credit card and is sure that she paid PPI as my dad was sel employed, is there anything she can do to find out I she did pay PPI?

The New Thread button is in blue in the middle of the page between the 2 green sections and in line with the Page numbers

PPI covers the card owner, not the husband, whether he was self employed or not is irrelevant unless it was a joint card

Just ring Nat West and ask them. If she paid PPI it would be on every statement where there was a balance (i.e. not paid off in full)