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Using a third party to try to reclaim PPI (which are the best services)

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playaz
playaz Posts: 270 Forumite
Part of the Furniture 100 Posts Combo Breaker
in Reclaim PPI & other insurance
Hi everyone - I know I should do this myself but I really don't have the patience to do it so would prefer a 3rd party (even if it means giving up 20-30% of any money to them) - I am in 30's so I doubt I had any PPI but cannot be 100% certain

Which third party is the best to use and ideally who take the smallest chunk of any PPI monies that are reclaimed back?

thanks in advance

Comments

  • -taff
    -taff Posts: 15,347 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    there are none.
    Go to the website of anyone you had PPI with and complain directly to them, or phone and complain.
    Non me fac calcitrare tuum culi
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    If you haven't got the patience to fill out the form yourself, you definitely don't have the patience to explain it to a claims company.
  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    It will take you the same amount of time explaining the same information .
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • Nasqueron
    Nasqueron Posts: 10,673 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    PPI was (largely) no longer sold by 2010 outside of mortgage cover and certainly since 2005 when everyone became regulated, the sales process was much improved and better documented so the chance of you being miss-sold is low

    No PPI firms are any good, they all require you to do the work yourself and they post it off for you. If you're so busy you cannot post a letter then something is going wrong in your life. That is the only step that a claims firm will save you.

    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.

  • playaz
    playaz Posts: 270 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    thanks for the advice
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    playaz wrote: »
    who take the smallest chunk of any PPI monies that are reclaimed ?
    They all now take the maximum allowed which is 20% (plus VAT).
    None are worthwhile even considering when the complaint process is simple and completely free.
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