PPI advice

RADDERS

If you had PPI on your credit cards it would have shown on every single statement, if there was a balance outstanding. So 12 statements every year.
If you paid the balance off every month then as PPI is paid on the outstanding balance you would have not paid PPI.

dunstonh

Quote Martin - One of the ways PPI was mis-sold was by being added without you being told....That has nothing to do with being savvy and thankfully the view of myself still stands.

It cannot have been added without your knowledge. It would have appeared on the application. It would appear on every single monthly statement you had.

Martin is referring to people who dont check their paperwork before signing it or those that dont read their statements each month.

Incorrect - one can go back as far as is necessary,

Incorrect. There are some sales that can only go back to 2005. However, if its not one of those, then there is no time limit in the rules. However, documentation gets destroyed over time. Especially on closed accounts. The regulator recommends 6 years is retained. So, whilst they cannot refuse to look at your complaint, the available evidence may be little to non-existent the further back you go.

If it was added without my knowing then without doubt the onus is on them to verify and pay out. Thats fraud in my book.

You will need to prove it was added without your knowledge for that complaint to succeed. Seeings as hardly any complaints succeed on that basis alone, its unlikely you or they have any evidence to support your allegation.