Uncertain how I applied for credit card

Geebee78

I had a credit card and loan with a bank - both had PPI. The loan is from 1999 and the credit card is 2007. I can't remember how I applied for the 2007 credit card - online or face to face. I have spoken to the bank and they say they cannot give me the terms and conditions or tell me how I took out the credit card (presumably the records are too old) so I feel unable to say for certain how it was mis-sold. Any advice? I certainly remember being in the bank for one of these and being 'encouraged' to take PPI but I'm not sure if that was just for the 1999 loan.

Second question - what are the chances of success with a 1999 loan. MSE seems to suggest these very old cases may be difficult to claim on.

takman

Geebee78 wrote: »

I had a credit card and loan with a bank - both had PPI. The loan is from 1999 and the credit card is 2007. I can't remember how I applied for the 2007 credit card - online or face to face. I have spoken to the bank and they say they cannot give me the terms and conditions or tell me how I took out the credit card (presumably the records are too old) so I feel unable to say for certain how it was mis-sold. Any advice? I certainly remember being in the bank for one of these and being 'encouraged' to take PPI but I'm not sure if that was just for the 1999 loan.

If your making a claim about miss selling then you need to simply tell the truth. If you can't even remember how you applied for the card then claiming you were miss-sold in branch would be fraud.

But as it's a credit card then the PPI would have been listed on each statement whenever you paid it so if you didn't want/need it at the time then surely you would have contacted them to question it and get it removed?

Geebee78 wrote: »

Second question - what are the chances of success with a 1999 loan. MSE seems to suggest these very old cases may be difficult to claim on.

Just to make it clear your not making a "claim" you are making a "complaint" that you were miss sold. Just because they encouraged you to take out PPI it doesn't mean you were miss sold. You can make a complaint if you want but you need to give reasons why you think you were miss sold.

But personally i think its a bit ridiculous making a complaint for something that happened so long ago and you can't even remember the details.