PPI with no paperwork and on a Debt Management Plan

Rochdale_Guy

Hi, long time since I was on here....

I am convinced I was missold PPI on at least one of the many credit cards I have had in the past.

I am now on a DMP with StepChange and have been on it for at least 4 years now.

I realise any successful claim and the money goes towards paying off my debts to the creditors.

I do not have any paperwork though, and since being on the DMP the debts have changed hands to different companies.

I know I have had cards from MBNA, EGG, Barclaycard, Opus, Capital One and the Royal Bank of Scotland previously.

How can you make a claim for being missold PPI when the debts have changed hands several times please?

Seeing Martin Lewis on ITV last week has given me the kick up the butt I need to start a potential claim but I have no idea where to begin

Thank you to anyone in advance who replies and not lecture me.

Rochdale_Guy - longstanding MSE forum member

:A

[Deleted User]

Contact the original lenders and work your way from there.

societys_child

I am convinced I was missold PPI on at least one of the many credit cards I have had in the past.

Any ppi charged on a CC would be itemised, on a separate line, on each monthly statement.
Do you still have any?

Rochdale_Guy

Deleted_User wrote: »

Contact the original lenders and work your way from there.

Thanks. Not sure some of them still exist, i.e. OPUS credit card but will look.


Do I have to send £10 off with each letter also? Will cost me a fortune if I do


No cheque book either with my basic bank account

Rochdale_Guy

societys_child wrote: »

Any ppi charged on a CC would be itemised, on a separate line, on each monthly statement.
Do you still have any?

Thanks.


No original paperwork/statements kept. Got rid of them all when I went on a DMP as didn't think I'd need them, plus no one had heard of PPI mis-selling when I start my DMP

[Deleted User]

Rochdale_Guy wrote: »

Thanks. Not sure some of them still exist, i.e. OPUS credit card but will look.

It exists. NewDay.

Rochdale_Guy

New Day? Ta.


Feels more like Groundhog Day for me....

mangle101

Rochdale_Guy wrote: »

Thanks.


No original paperwork/statements kept. Got rid of them all when I went on a DMP as didn't think I'd need them, plus no one had heard of PPI mis-selling when I start my DMP

PPI misspelling existed long before the 4 years that you've had you're DMP.

Nasqueron

mangle101 wrote: »

PPI misspelling existed long before the 4 years that you've had you're DMP.

It's funny you've misspelled "miss-selling" with "missspelling"

OP - you can use a banker's draft if you don't have a cheque book though you may have to pay your bank for this. You don't need to do DSAR for each lender though, it's not necessary to make a complaint

[Deleted User]

Nasqueron wrote: »

it's not necessary to make a complaint

It's very necessary to make a complaint, but it's not necessarily necessary to request a SAR!

Nasqueron

Moneyineptitude wrote: »

It's very necessary to make a complaint, but it's not necessarily necessary to request a SAR!

Eh cutting words out of a sentence so it's out of context