PPI Query - What To Do

rob200375

Hi All,

Thought I would ask here before deadline hits as I have had a few PPI queries running through my head

1. - What is the cut-off date going back that you can challenge PPI - I’ve had 2 or 3 questionable loans while I have had a mortgage - 15 years - would they be eligible to challenge

2. - I have had an egg credit card and marbles credit card - no info on either any more - I’ve only lived at 2 address while I would have had them - is it worth a shot

3. - A while ago I had a loan attached to my mortgage which when I recall I was advised by mortgage advisor at the time that this was a bad deal and should consolidate the debt as it’s not good to have a 2nd charge on house - so I said fine and moved and saved money - however went back to the mortgage company who I am still with and they have no record of the payment to the company so I have no way to trace and they don’t keep records that far back.

Am I at no hope on PPI or would I have a chance - your thoughts please

[Deleted User]

Which accounts had PPI and what are your mis sale reasons?

rob200375

I have no idea on any of the 3 as - I have no paperwork only a memory that i did have accounts with them all and I may have had PPI but have no idea to be honest

i think all of these accounts were more than 6 years ago so no record on credit report either

[Deleted User]

I suggest you ask the lenders whether you had PPI as a first step.

If neither of you have a record, then obviously there is nothing left to pursue.

rob200375

ok - can do that for egg and marbles

not sure how i would track who point 3 was - any suggestions how i find this out as this is the 1 account where i would of thought i had PPI and it was for a bigger amount

[Deleted User]

If you don't have a record and it's not on your files, that's it.

dunstonh

3. - A while ago I had a loan attached to my mortgage which when I recall I was advised by mortgage advisor at the time that this was a bad deal and should consolidate the debt as it!!!8217;s not good to have a 2nd charge on house - so I said fine and moved and saved money - however went back to the mortgage company who I am still with and they have no record of the payment to the company so I have no way to trace and they don!!!8217;t keep records that far back.

Was this pre-regulation of insurance (14th Jan 2005)? Advisers/brokers were not regulated prior to that date.

[Deleted User]

r!!!00375 wrote: »

What is the cut-off date going back that you can challenge PPI

You don't "challenge" PPI, you first ascertain whether you had the insurance and then complain it was mis-sold if you have reasons for doing so.

r!!!00375 wrote: »

I!!!8217;ve had 2 or 3 questionable loans while I have had a mortgage - 15 years - would they be eligible to challenge

I'm not sure what you mean by "questionable"....

r!!!00375 wrote: »

Am I at no hope on PPI or would I have a chance -

It's probably worth contacting the respective lenders, if only to set your mind at rest.