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I had PPI for free on trial should I claim

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wheelz
wheelz Posts: 334 Forumite
Part of the Furniture Combo Breaker
in Reclaim PPI & other insurance
As far as I remember I was given free PPI to try it out for a limited time when I had a Lloyds account in the late 90-ies. If I remember well I didn't extend this and never paid. Is it easy to find out if they owe me any money? Or, if what i remember is correct, is it not worth the hassle. Or could I claim because they might not have it on record that it was free. I've never been interested but maybe I should look into it. I don't remember the exact year and I moved house then so I would have 2 address that needed checking.
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Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You want a refund on a free product?
  • Bogalot
    Bogalot Posts: 1,102 Forumite
    wheelz wrote: »
    As far as I remember I was given free PPI to try it out for a limited time when I had a Lloyds account in the late 90-ies. If I remember well I didn't extend this and never paid. Is it easy to find out if they owe me any money? Or, if what i remember is correct, is it not worth the hassle. Or could I claim because they might not have it on record that it was free. I've never been interested but maybe I should look into it. I don't remember the exact year and I moved house then so I would have 2 address that needed checking.

    This is a classic!

    How much of £0.00 do you wish to reclaim?
  • BJV
    BJV Posts: 2,535 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I honestly can not understand this mentality. ...

    I was given something to try for free did not want it so did not take it. What can I get for free I am not entitled to it as did not pay for it but what the hell ???? Good god no wonder our country is in a financial mess.
    Happiness, Health and Wealth in that order please!:A
  • dunstonh
    dunstonh Posts: 119,752 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    The level of greed some people have is astonishing.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    wheelz wrote: »
    If I remember well I didn't extend this and never paid.
    Leaving aside the tongue-in-cheek aspect of your query....


    You can ask the Bank if you subsequently purchased the policy, but even if you did it would be difficult to describe it as mis-sold. If you actively extended the policy after a free trial, it would be mis-bought rather than sold to you.
  • wheelz
    wheelz Posts: 334 Forumite
    Part of the Furniture Combo Breaker
    I asked just in case some clever person knows more than I do. The banks have made enough money out of us. It is a long time ago more than 17 years I don't remember exactly what happened.
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    wheelz wrote: »
    I asked just in case some clever person knows more than I do.

    I think so.
  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Some oosts are beyond belief
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • -taff
    -taff Posts: 15,370 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    wheelz wrote: »
    As far as I remember I was given free PPI to try it out for a limited time when I had a Lloyds account in the late 90-ies. If I remember well I didn't extend this and never paid. Is it easy to find out if they owe me any money?


    You got a free product and then cancelled it. So you paid 0.00
    So you are entitled to absolutely 0.00 back.

    It is that easy to find out.
    Non me fac calcitrare tuum culi
  • Nasqueron
    Nasqueron Posts: 10,756 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    -taff wrote: »
    You got a free product and then cancelled it. So you paid 0.00
    So you are entitled to absolutely 0.00 back.

    It is that easy to find out.

    Come on taff, you forgot the 8% simple interest of 0.00 a year on top of that

    Sam 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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