RBS Mastercard - PPI reclaim question 11 April 2017 at 11:53AM edited 30 November -1 at 1:00AM in Reclaim Bank & Credit Card Charges 4 replies 3.1K views

wolf475

Hello - I've had an RBS MasterCard since 1988 (it was originally branded as "Access"). I know I had PPI from the date I took out the card until at least the autumn of 1990.

I no longer have any of my statements from this time, but the card has never been closed, and indeed I am still using it to this day. The only changes in the time since I took the card out are that the card number has changed and also my home address.

Am I able to make a claim in this situation?

many thanks.

zx81

What would you be looking to claim for?

[Deleted User]

wolf475 wrote: »

Hello - I've had an RBS MasterCard since 1988 (it was originally branded as "Access"). I know I had PPI from the date I took out the card until at least the autumn of 1990.

That's a two year period almost thirty years ago, so if you have no statements, I wouldn't expect the Bank to have records either.

Probably a non-starter, but you can spend £10 on a Subject Access Request (SAR) letter which will provide all details they have kept on file for you.

Why are you so certain you had PPI for those two years?

wolf475

Moneyineptitude wrote: »

Why are you so certain you had PPI for those two years?

Because I remember cancelling it as I felt I was paying too much each month.

[Deleted User]

wolf475 wrote: »

Because I remember cancelling it as I felt I was paying too much each month.

A 27 year-old memory is unlikely to be enough unless the Bank has kept records. Cancelling the PPI is also a reason to time bar you from complaint anyhow.