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Identifying PPI via money app historical info

Hi
Apologies if this has already been covered.

Over the years I've had numerous different credit cards and store cards that I've mostly paid off in full each month.

I've also had various fixed rate mortgages over time.

I record all my transactions in Microsoft Money programme on my computer and have done for years.

Ive never had any loans.

Would I be correct in thinking I'm unlikely to have been missold PPI?

I'm just wondering if it's worth checking my archived Microsoft Money info and making claims but I can't see that I'd have any valid claims.

Thanks

Comments

  • Most people didn't have PPI. If you had it, it would have appeared on all your statements.
  • Nasqueron
    Nasqueron Posts: 11,080 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You're mixing up having PPI with being miss-sold it. If you had it, that doesn't mean you were miss-sold (particularly on the mortgage). You have to establish if you had it, why you had it and why, if you did, you feel it was miss-sold

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • credit cards and store cards that I've mostly paid off in full each month.
    If the balance was paid off each month, no PPI would be charged. If not paid off each month, and you actually had PPI and were charged, it would have appeared as a separate item on the statement.
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