PPI from 10 years ago?

shoe_gal_84

Hi,


I've been wondering for a while whether I may be able to reclaim some PPI from many accounts I had when I was younger and I've decided that now is the time to give it a go. I've had a read through Martin's guide to reclaiming and I'm still a little bit confused.


Around 10-12 years ago I was in a fair amount of debt and had numerous credit cards and store cards. I'm pretty confident that I had PPI on one of more of these cards. However, I can't remember all of the different cards that I had and they won't show up on a credit report as they're from more than 6 years ago. Is there anything I can do in order to try and work out if I'm owed anything?


Thank you in advance :-)

dunstonh

Is there anything I can do in order to try and work out if I'm owed anything?

You are not owed anything. That is not how it works.

A PPI complaint is where you make an allegation of wrongdoing. If your complaint succeeds, then you get a refund. Its only at that point you are owed something.

Your history is not in the public domain. Only you and your banks know what you had in the past (the last 6 years appearing on credit file you have already mentioned). So, your records and your memory are your main tools.

Nasqueron

Your memory, old bills, old bank statements etc

If your debts were unpaid then PPI will be offset against those debts and you get any extra

Do remember simply having PPI doesn't mean it was miss-sold, you need to put in your complaint reasons and see what they say

shoe_gal_84

Thank you for your quick replies.


I realise that I am not automatically 'owed' anything. However, at the time I was very young and frivolous and ended up with many credit cards etc. I was a lenders' dream, always signing up to any extras (PPI etc) that I was sold in order to get the money. All of these debts have long since been settled.


I'm pretty confident that I don't have my bank statements from 12 years ago, so will have to go from memory as best I can.

Nasqueron

shoe_gal_84 wrote: »

Thank you for your quick replies.


I realise that I am not automatically 'owed' anything. However, at the time I was very young and frivolous and ended up with many credit cards etc. I was a lenders' dream, always signing up to any extras (PPI etc) that I was sold in order to get the money. All of these debts have long since been settled.


I'm pretty confident that I don't have my bank statements from 12 years ago, so will have to go from memory as best I can.

If you haven't changed bank in a while, ask them for details of old direct debits etc, you could also DSAR the bank if you have moved for copies of old statements, would cost you £10 but at least you might find out who you were paying

shoe_gal_84

Nasqueron wrote: »

If you haven't changed bank in a while, ask them for details of old direct debits etc, you could also DSAR the bank if you have moved for copies of old statements, would cost you £10 but at least you might find out who you were paying

Thank you, that's a really good idea. I'll definitely do that as I'm with the same bank.

dunstonh

Or you can just ask your bank straight out if you have ever had PPI. The banks all have a PPI helpline for that purpose.

shoe_gal_84

dunstonh wrote: »

Or you can just ask your bank straight out if you have ever had PPI. The banks all have a PPI helpline for that purpose.

Thank you, but I know I haven't had PPI through my bank. It would just be looking through bank statements to see which credit cards and store cards I had, so that I can approach each one.

[Deleted User]

shoe_gal_84 wrote: »

Thank you, but I know I haven't had PPI through my bank.

Other lenders have dedicated PPI helplines too.

shoe_gal_84

Moneyineptitude wrote: »

Other lenders have dedicated PPI helplines too.

Thanks, I've applied through a few. I was just hoping to look through old bank statements to jog my memory of which companies I could apply to.