Help a noob please

da_guru

Firstly, thanks in advance for any help

I've went through the process in identifying if I've been mis-sold PPI and I've found out I was in the late 90s. The provider has given me a copy of the agreement with my signature on it.

From memory, I was told at the time I had no choice but to take it. I was really in need of the loan and felt I had no choice in the matter hence proceeding.

Is this enough to argue a case of mis-selling or do I need anything else? Given the passage of time there are no case notes to prove / disprove.

Thanks you.

[Deleted User]

It's the weakest of reasons, but if it's all you have, then go with it.

dunstonh

Is this enough to argue a case of mis-selling

It is a complaint reason but one of the weakest going and its rare for that particular reason to lead to success in itself. Sometimes people making similar complaints get success through auto-upholds or failings in other areas that they were not aware of and didnt raise.

Given the passage of time there are no case notes to prove / disprove.

Correct. Its unlikely there is anything to support your allegations. Which is why that particular reason will be unlikely to succeed on that particular point.

As zx81 says above, if it is the only thing you have then you have to go with it.

sun73

da_guru wrote: »

Firstly, thanks in advance for any help

I've went through the process in identifying if I've been mis-sold PPI and I've found out I was in the late 90s. The provider has given me a copy of the agreement with my signature on it.

From memory, I was told at the time I had no choice but to take it. I was really in need of the loan and felt I had no choice in the matter hence proceeding.

Is this enough to argue a case of mis-selling or do I need anything else? Given the passage of time there are no case notes to prove / disprove.

Thanks you.

Was this loan secured on your property or a personal, unsecured loan?
If the latter, check the agreement to see if the loan was set up with a single upfront premium which you can use as your complaint reason.