Resolver or the Companies own, which is best for PPI check?

givenupwork

Im probably very late in the day needing to check for sufficient information to then lodge a PPI claim. Ive been working on some over past few days from old and new experian reports. Very little paper work.
Ive had a result from Resolver in one day on one item, albeit that they had no info.
Im getting the feeling that Resolver may be quicker than the companies own PPI check request. What do you think? Its not going to be in their interests to get me a quick response is it?

Should I just quite the second guessing and put them all through Resolver?

[Deleted User]

Always go direct.

Resolver just slows things down. And sometimes loses your complaint.

Obviously it's in the lender's interest to resolve your complaint as quickly as possible.

dunstonh

Nowadays, direct to the company is probably the easiest and quickest.

Resolver adds a layer.

givenupwork

its 8 weeks for them to reply to PPI checker request isnt it? How long for them to reply if I lodge a complaint? is the latter date need to be before 29/8/19 or do I have to have it lodged with the obudsman before that date?

Bearing this in mind, would I be better concentrating on those that are 6 years or less? I assume any older requests for information, companies will get away with saying they dont have the information or anonomysed it etc.

[Deleted User]

They won't get away with saying that. It will either be the case or not.

You just need to submit your complaint before the deadline.

-taff

Resolver is a middleman that sells your information to other third parties.


Go directly to the website of the companies you had credit with and complain directly to them.


Claims companies, expect you to do all the work, charge you 24%, have no speicla powers and use the same complaints route that you should, but they add a stamp...If you think a stamp is worth 24%, use one.

[Deleted User]

givenupwork wrote: »

How long for them to reply if I lodge a complaint? is the latter date need to be before 29/8/19 or do I have to have it lodged with the obudsman before that date?

You just need to make sure your complaint (if you eventually actually have one) is submitted and received by the Bank before 29th August 2019. Complaints still being considered on that date will not be suddenly invalid and complaints about regulated finance rejected after that date will still be eligible for referral to the Ombudsman for six months after that rejection.

It's wise (and potentially less costly) to cut out ANY AND ALL third party involvement in PPI complaints and/or research.

givenupwork wrote: »

I assume any older requests for information, companies will get away with saying they dont have the information or anonolysed it etc.

You assume wrongly. The Bank will either still hold records or it won't. Obviously, the older the finance the less chance there is of records still existing, but that does not mean they "get away with" informing you of that. It just means you've left it too late to complain.

Do you know if you even ever had PPI?

givenupwork

Thanks for all your replies. I suppose I used resolver because it seems easier and MSE seem to push it. But comments noted.

In reply to Moneyineptitude (love the name) - Yes we did have PPI.

In the 90s and 00s we had many credit agreements for purchases and loans. It was only in the late 00s that we started to refuse any insurances or the sellers didnt insist so much.

Im pretty sure we kept an eye on all our credit card statements and I can remember them writing to say they were going to start putting insurance on unless you told them not to and we did do that.

We did get a successful PPI payment from HSBC for a loan dated 2000. It was one that stuck in our minds because they insisted on the insurance and would not budge on giving us the loan that we needed without it.

The only paperwork I now have is one for Open & Direct and one from Tiny Computers through First National Tricity Ltd. they are in 2000 and 2001.They both show PPI and indeed I have some correspondance to First National trying to cancel it.

From our experian reports I can see we had other Open & Direct loans and I suspect they also had ppi on them.

We also had Bank Loans through this period as well. Would Banks have been using PPI?

dunstonh

Thanks for all your replies. I suppose I used resolver because it seems easier and MSE seem to push it. But comments noted.

Resolver is a commercial option. MSE makes money out of it by selling your data in aggregated form. It would not if you complained directly.

The providers have really improved their handling of PPI complaints in recent years. Both in their decision making and ability to find out info and actually make the complaint. That was not always the case.

[Deleted User]

givenupwork wrote: »

We also had Bank Loans through this period as well. Would Banks have been using PPI?

Banks certainly did sell PPI.
You do still appear to be at the research stage of a possible complaint, so you'll have to make speculative enquiries to all your old lenders.
You are certainly hampered by having no documentation of your own though and this does make it more likely that you'll simply have to accept any responses which say no records still exist.

EDIT:
You appear to have made numerous posts here about PPI six years ago. Can you explain why you appeared far more clued up about PPI on your finances then? Did you actually make any complaints back then? If so, you can't make new complaints now...

-taff

givenupwork wrote: »

The only paperwork I now have is one for Open & Direct and one from Tiny Computers through First National Tricity Ltd. they are in 2000 and 2001.They both show PPI and indeed I have some correspondance to First National trying to cancel it.

From our experian reports I can see we had other Open & Direct loans and I suspect they also had ppi on them.

You can forget about the Tiny one, they've folded, you have no one to complain to, it was pre regulation and the seller is liable, not the provider.
From what I can see, Open and Direct provided finance for other companies, so what did you buy with this credit? Because the seller is liable, not the provider, so you complain to the seller.