Can I send Ppi letters if I have no paperwork?

wannaberich41

Hi,
I've had cards and catalogues with the following people from the age of 18 (now 44). I closed all of them over the years and then shredded all paper work before the ppi claim became so publicised.
Can I still send letters and try a claim even though paper work? I'm sure I had it on most accounts but due to naivety I've not kept any paperwork.

Also when me and my husband took our first mortgage out. Abbey national told us we couldn't take a mortgage (endowment) unless we took out this special policy. Still to this day I don't know what it was but it wasn't life insurance. Is this something we can claim for?

These who I had accounts with on and off in last 25 years.
Next
Argos additions
Very
Freemans
Studio cards
Little woods
New look
Top shop
Dorothy Perkins
Debenhams
Evans

[Deleted User]

You can make a complaint (not a claim) about any policy you believe was mis sold to you.

But the older the product, the less likely anyone will still have records of you. Anything over 10 years will be unlikely, though not impossible, and less in some cases.

The Abbey National policy sounds like mortgage indemnity, which was fine.

[Deleted User]

wannaberich41 wrote: »

I'm sure I had it on most accounts but due to naivety I've not kept any paperwork.

Without any documentation of your own, you are reliant upon the archives of the institutions concerned. As zx81 says above, the older the finance is the less likely there are still any records. First action is to write or call these lenders and simply ask them if you had PPI. If so, you can then proceed to complaint. If not, time to forget all about it.

wannaberich41 wrote: »

Abbey national told us we couldn't take a mortgage (endowment) unless we took out this special policy. Still to this day I don't know what it was but it wasn't life insurance. Is this something we can claim for?

Understand that not all insurance was PPI and not even all PPI was mis-sold.

It's also not automatically a mis-sale just because you were told you must have this "special policy".
Mortgage Indemnity Guarantee (MIG) was insurance which covered the lender, not you, and is not somehow reclaimable. If you didn't want the MIG, you had the option of saving for a bigger deposit for your mortgage.
So the answer is no.