PPI Claim Newbie struggling

Clairetee

Hi,
Please help a newbie ..
I recently registered on the Resolver tool and am new to this, I have avoided all the 'claim PPI companies for many years and thought it was time to bite the bullet and attempt to make a claim by myself.
Using Resolver I have sent numerous PPI checker requests to all the companies I know I had accounts with. I've supplied full details of name and address changes dating back to when I know I held the cards, Loans & mortgages. all pre 2007 because I paid everything off during that year all accounts were closed. I only held onto closing statements. So I have account numbers for most but I do not have proof of the PPI paid. I have attached scans of the relevant statements and letters to the emails sent by resolver.
I am starting to get responses back and these range from 'we no longer have your details because our files do not go back that far' to 'your account/card number no longer exists on our system.
Where do I stand ?
The mortgage companies, four of them, I'm absolutely 100% sure I took out PPI because I remember the advisor telling me I was too young and would never be accepted for a mortgage without it. BUT because the mortgages were paid off in full at the time the houses were sold and these were all post 2005 I have not held onto any paper work. There is a possibility that the solicitors I used at the time may still have records and hold paperwork. I could contact them but maybe charged, is it worth it ?
Where do I stand without the paperwork/proof ?

[Deleted User]

Unless you can prove you paid PPI, you stand nowhere.

dunstonh

I am starting to get responses back and these range from 'we no longer have your details because our files do not go back that far' to 'your account/card number no longer exists on our system.
Where do I stand ?

That is not unexpected as the accounts are no longer open and there is no reason for firms to hold onto your data. The FCA recommend 6 years from closure but that is only a guideline.

Where you stand is that you provide them details of the PPI you paid if they dont hold details.

The mortgage companies, four of them, I'm absolutely 100% sure I took out PPI because I remember the advisor telling me I was too young and would never be accepted for a mortgage without it.

And was that PPI or was it MIG or life assurance?

Was that with a lender or via a broker/adviser or estate agent?

There is a possibility that the solicitors I used at the time may still have records and hold paperwork.

The solicitors are not supplied with your insurance details.

Where do I stand without the paperwork/proof ?

Usually, game over if both sides hold no documentation.

If you don't believe them then you can always do a data subject access request.