Can I claim mis-sold PPI from Dixons in 1998?

lemonfresh

Hi there,

Just a quick question for anybody that may be able to help me. When I was 18 years old in 1998, I bought a Minidisc player from Dixons and the sales assistant said "do you want payment protection? It won't cost you anything". Being a naive 18 year old, I believed him and said yes, then one day I got a statement saying the PPI came to about £200+!

I didn't feel there was anything that I could do at the time so I left it, but I just wondered if I had any hope of getting that money back? I haven't got a clue who would be responsible for the finance though.

Thanks to anybody for any and all help!

antrobus

lemonfresh wrote: »

Hi there,

Just a quick question for anybody that may be able to help me. When I was 18 years old in 1998, I bought a Minidisc player from Dixons and the sales assistant said "do you want payment protection? It won't cost you anything". Being a naive 18 year old, I believed him and said yes, then one day I got a statement saying the PPI came to about £200+!

I didn't feel there was anything that I could do at the time so I left it, but I just wondered if I had any hope of getting that money back? I haven't got a clue who would be responsible for the finance though.

Thanks to anybody for any and all help!

You can certainly make a mis-selling complaint to Dixons.

But it was 20 years ago. They may very well have no record of you anymore.

Nasqueron

Did you buy the player outright or on finance?



Seems unlikely it would be that much PPI for on a minidisc player given the cost of the player was around 300-400.


Pre-regulation anyway so no

-taff

No.........

[Deleted User]

lemonfresh wrote: »

then one day I got a statement saying the PPI came to about £200+!

Do you still have this statement? If so, you need to check it again I think. There is no way that a PPI policy on a small electrical item would be that expensive. Are you sure you are not confusing PPI with the interest you are likely to have been charged by buying on Finance?

Regardless, two decades on and seven prior to regulation, any complaint will go nowhere. Note too that any mis-selling complaint would go to the seller, not the Finance provider.

lemonfresh

Cheers everybody.

To answer everybody in one post: I did buy it on finance, absolutely don't have the statement any more, and as far as I was aware it was a PPI statement. Yes,£200 seems insane but that's what I remember - it was 20 years ago though! But, everybody says it would probably be impossible so I guess I'll leave it. Thanks to you all though!

[Deleted User]

lemonfresh wrote: »

absolutely don't have the statement any more, and as far as I was aware it was a PPI statement.

Therefore nothing you can ever check or complain about.

Sorry.