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Where to begin?
aaz01
Posts: 50 Forumite
I've had two bank accounts (Bank of Scotland & Santander) since 2002-ish. Both have overdrafts which I have occasionally used.
I've also had a credit card with BOS since around 2006. And various other credit cards (for balance transfers) which are all no older than 2012.
As far as I know, I have never paid for PPI on any of these. How can I make sure?
Also... In 2008 I took out an unemployment/mortgage protection insurance policy with Hitachi Capital. I had it for a couple of years. Obviously I took it out willingly and aware of the payments - so there's nothing to look at with regards to this, is there?
I've also had a credit card with BOS since around 2006. And various other credit cards (for balance transfers) which are all no older than 2012.
As far as I know, I have never paid for PPI on any of these. How can I make sure?
Also... In 2008 I took out an unemployment/mortgage protection insurance policy with Hitachi Capital. I had it for a couple of years. Obviously I took it out willingly and aware of the payments - so there's nothing to look at with regards to this, is there?
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Any credit card with PPI on it would show on the statement every month as a separate charge, if you paid off in full every month you would never pay any PPI
If you chose to take out a policy then it is very unlikely you were miss-sold unless it wouldn't have covered you. If you bought it rather than going to say a financial advisor it wouldn't have been noSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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