Resolver question

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I have just signed up for Resolver to start checking for PPI. It asks which product you had. With one bank I had two possible products

Do I start a claim for each? Or do they automatically check all my products I had with them?
LBM.....sometime in 2013 £27,056. 10 creditors
June 20.....£7,587.....3 creditors left 72% paid

£26,200 on interest only part of mortgage (July 16)...will chip away £17,103
£49,200 repayment mortgage ( July 16) £37,764

Comments

  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    If you find the Resolver tool not versatile enough for your particular query/complaint, the obvious answer is simply to contact the Bank concerned directly.

    Why involve any third party? Even a free one?
  • zenshi
    zenshi Posts: 1,119 Forumite
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    I haven’t done enough research into what it all entails yet. I don’t have paperwork for any account numbers
    LBM.....sometime in 2013 £27,056. 10 creditors
    June 20.....£7,587.....3 creditors left 72% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £17,103
    £49,200 repayment mortgage ( July 16) £37,764
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    zenshi wrote: »
    I don’t have paperwork or any account numbers
    The Resolver tool is just an E-Mail template, so it won't furnish any account numbers I'm afraid.

    Just write to the Banks concerned giving them as many details as you can (name, address, date of birth etc) and ask them to check for PPI. If they can't find you from the information you provide (or if records of your finance have been deleted in line with data protection), then any complaint is scuppered.

    Do you know for sure that you had any PPI?
  • zenshi
    zenshi Posts: 1,119 Forumite
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    Sadly I don’t know. I do know that if I did then I shouldn’t have as I was self employed, still am. I was also going through a divorce so my head wasn’t where it should have been so I may have not noticed. I do remember having something that apparently covered ‘all your cards’ but what it was called I don’t know
    LBM.....sometime in 2013 £27,056. 10 creditors
    June 20.....£7,587.....3 creditors left 72% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £17,103
    £49,200 repayment mortgage ( July 16) £37,764
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    Self employment wasn't a problem. You'd still have been covered.

    The second thing is CPP but that ship has sailed.
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    zenshi wrote: »
    I do remember having something that apparently covered !!!8216;all your cards!!!8217; but what it was called I don!!!8217;t know
    That's not PPI, of course. Sounds like Sentinel or CPP, which were (useless) insurances in case your cards were lost or stolen.

    Looks like you first need to do a fair amount of reading around this subject, but without any documentation you are going to be severely handicapped from the off.
  • zenshi
    zenshi Posts: 1,119 Forumite
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    Ok, thanks for your help. Was a long shot anyway
    LBM.....sometime in 2013 £27,056. 10 creditors
    June 20.....£7,587.....3 creditors left 72% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £17,103
    £49,200 repayment mortgage ( July 16) £37,764
  • Gers
    Gers Posts: 12,084 Forumite
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    I did a speculative claim through Resolver - no idea of if I had PPI or not from yoinks ago. I have the same bank account (from 1976) even though it's not now my main one.

    The bank found two loans, one which had PPI and one which didn't. I had no paperwork or dates or anything. PPI plus interest minus tax paid into my accout within two days of receiving the letter.

    Always worth a punt!
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    Gers wrote: »
    I did a speculative claim through Resolver
    Always worth a punt!
    As already discussed, Resolver is not required in order to do this...
  • Gers
    Gers Posts: 12,084 Forumite
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    As already discussed, Resolver is not required in order to do this...

    Didn't say it was - just telling my experience, which was great.
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