Live in Australia now, but want to claim PPI for cards/mortgages before 2005

Lou-Ellen

I moved to Australia from England in October 2004, and want to see if I can claim PPI, which I had on my 4 MBNA, Marbles, M&S and Capital One credit cards, as well as two mortgages with Royal Bank of Scotland - one of which had compulsory insurance on it as it was 100%. I can't seem to access my credit report through Experian, as I don't have a UK address anymore and moved away 12 years ago. I don't have any credit card statements or account numbers for the credit cards, but I do have some of the paperwork for the RBS mortgage and endowment policies (which I have since cashed in), taken out in December 1993 and December 1998. Has it been too long for me to claim and how can I check my credit report to confirm the lender account details after moving away 12 years ago?

[Deleted User]

The CRA data only goes back 6 years, so you won't see any details on your files if the accounts were closed before 2011.

[Deleted User]

All you can do is send the Banks a Subject Access Request (SAR) letter. For £10 each lender you'll receive all information that has been kept on file for you.

Do note that the Bank may require proof of your identity (which often means a Branch visit to verify signatures etc), so be aware of the difficulties attached to being so far away.

societys_child

You don't give any reason(s) why you believe these policies were mis-sold.
What would your respective complaints be?

dunstonh

as well as two mortgages with Royal Bank of Scotland - one of which had compulsory insurance on it as it was 100%.

What sort of insurance? MIG, PPI, life assurance, home insurance?

If it was compulsory then it cant have been mis-sold.