is claiming still easy

makemerich12

My parents want me to claim against ppi dating back to the 90's they've gave me the bank name and roughly the year they had the loans.When i claimed about 5 years ago i remember i just sent a simple template letter from here to my bank and everything else was done for me.

Is it still the same considering i have no more details then already stated? They have had around 5 loans in total

-taff

Yep, same complaint procedure, or you can phone or you can go to their website and complain.

dunstonh

is claiming still easy

In some respects it is easier. In others it is harder.

Banks are generally much more fairer in how they handle complaints today than they were at the start. However, PPI stopped being sold, other than the two good types, nearly a decade ago. So, records may not be as easy to locate. The FOS are upholding less PPI complaints today than in the past.

-taff

And don't forget that there may not be records left from the 90's, it is almost 30 years ago....

makemerich12

-taff wrote: »

And don't forget that there may not be records left from the 90's, it is almost 30 years ago....

Thats my worry with the little information i have, could someone point me in the way of the letter i need to send please?

[Deleted User]

makemerich12 wrote: »

Thats my worry with the little information i have, could someone point me in the way of the letter i need to send please?

Really no need for a template. All you need to do is write a short note detailing your finance, your complaint and providing proof of your identity. You'll probably be able to do this on the lender's website.

HOWEVER, it's three decades ago so don't be surprised if your complaint falls at the first hurdle and the Bank no longer have any records.

makemerich12

Would rather have a template as my English is limited and i dont wish to miss any information:money::money:

Nasqueron

makemerich12 wrote: »

Would rather have a template as my English is limited and i dont wish to miss any information:money::money:

Either go on the lender's website as they will probably have a PPI complaints area or write simply

Dear Bank

Ref: Loan for name xyz

Please confirm if there was any PPI on loans in our name. The loans were active between <date 1> and <date 2>

Our address at the time was ......

Signed

Your parents

You will not be able to complain on their behalf without a letter of authority

Remember also you need to find out if they even have any records left before you can look into a complaint.

Template letters, particularly if your English is poor, may harm your complain as they could include stuff that has no relevance to you

makemerich12

Thank you and then just send to the banks head office?
Tsb and Barclays

Nasqueron

makemerich12 wrote: »

Thank you and then just send to the banks head office?
Tsb and Barclays

If it was the OLD TSB then Lloyds have the complaints, the current TSB are basically a new bank with no liability for old sales.


You don't need to write a letter though, you can start the complaint online



Llloyds:


https://www.lloydsbank.com/payment-protection-insurance-complaints.asp


Barclays


https://www.barclays.co.uk/important-information/ppi/

makemerich12

Done thank you awating reply