How do I find out what credit cards I had in the past?

agrinnall

Do you have any reason to think that you may have been missold PPI? If not then you're wasting your time trying to find out what cards you had.

Nasqueron

GibbsRule_No3 wrote: »

Not that I'm advocating using one of these agencies that are always advertising that "they will check" and you then pay them if they find anything, does it mean they don't have any way of checking either? Or would this be a case of it might be worth letting them check and if they do find anything at least you get something. I did my PPI on my own just for the record but did not have much to check ;-)

There is no central list of cards, the CMCs just lie about what they can do and send letters to everyone in the hope some stick (hence why the FOS has had periods where up to 50% of complaints they receiver were from people never had PPI but were demanding a refund)

Nasqueron

KITT2000 wrote: »

No, maybe I cannot prove that I was mis-sold PPI but on the other hand, how can the banks prove that it was explained to me properly when they sold it? It's word against word.

Unfortunately it doesn't work like that, the burden of proof is on the accuser, not the defendant, it's not a 50/50 situation. You make the claim you were miss-sold, you provide the proof. The banks can simply produce replica application forms / Ts & Cs and these are accepted as what the situation was at point of sale