Check first?

durali

If I'm not sure if I had PPI is it better to ask the company with a ppi request form first or go ahead straight away with a complaint?


Thank you

[Deleted User]

It might be a bit awkward to complain about having something you don't have...

Nasqueron

Establish you had it and they have records, then submit your complaint with your reasons and evidence

dunstonh

durali wrote: »

If I'm not sure if I had PPI is it better to ask the company with a ppi request form first or go ahead straight away with a complaint?


Thank you

Think about it logically....

How can you put in a complaint about PPI and how it was sold to you wrongly if you don't even know if you had PPI in the first place?

durali

I understood that not knowing whether you had ppi or not was grounds to enquire to potentially claim.
Also companies have enquiry forms on their web sites.
mse also states "did not know you had it?"

[Deleted User]

It's a very weak complaint (as you would have seen it on all your statements) but a complaint that "you didn't know you had it" would only apply if you did indeed have it.

You can't complain "I didn't know I had it because I didn't actually have it."

dunstonh

durali wrote: »

I understood that not knowing whether you had ppi or not was grounds to enquire to potentially claim.
Also companies have enquiry forms on their web sites.
mse also states "did not know you had it?"

It is a valid complaint reason. However, it is a heavily overused excuse used by try-it-on complaints. Complaints rarely succeed on that particular point. Usually as they can provide a copy application form or similar with your signature on agreeing to it. And then, with credit cards, often decades of payments each month showing it or a direct debit on standalone cover or on the agreement and loan statements with loans.

Most of the banks do have a very simple PPi check on their websites which then allows you to feed in a complaint if they find it.

[Deleted User]

durali wrote: »

I understood that not knowing whether you had ppi or not was grounds to enquire to potentially claim.
Also companies have enquiry forms on their web sites.
mse also states "did not know you had it?"

Certainly you have grounds to enquire whether you had PPI if you are unsure. However, it's a myth sponsored by Claim Companies that it was routinely or randomly added to finance without the knowledge and permission of the customer. So, if you did have it, you'd be basically complaining that you've forgotten or didn't read the documentation you signed. That's not a valid complaint.

MSE employs the phrase simply to encourage those who might otherwise give up without checking.

So, first establish whether you actually had a PPI policy then decide how it was mis-sold to you. Remember, it's not somehow wrong to have insurance.