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New to forum help claiming ppi

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Hi guys and girls
im new to forum and would like to say hello first so "HELLO".
I am wanting to find out how i go about claiming ppi but this topic is just going over my head.
Can any of you guys give me a heads up on how to do this as not 100% sure.
What do i need to do first i have had numerous catalogues over the years little woods gratons great universal etc etc
credit cards capital one vanquis littlewoods visa etc etc so have had quite a few.
Were do i start to get this rolling.
Thanks (apreciated)
«134

Comments

  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    taz_123 wrote: »
    Were do i start to get this rolling.
    Here is the MSE advice article which covers the process in some detail:
    https://www.moneysavingexpert.com/reclaim/ppi-loan-insurance/

    If you have specific questions after reading the above, by all means return here and ask.
  • Nasqueron
    Nasqueron Posts: 10,678 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    The simplest way is to write to every lender you used and provide them with your details (current + any old addresses, old name if married/divorced etc) and ask them if they still have any details on your account and if it had PPI


    If they do and you had PPI and you feel it was miss-sold then write back to them with the reasons why you feel it was miss-sold, plus any evidence you have to support your complaint and see what they say.


    You can google the addresses for all the above or search this forum to see who to complain to if the company was purchased.



    Don't use a claims firm - be careful you don't end up on their site by mistake, some of them are designed to make it look like you are complaining to the firm rather than via a claims company

    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.

  • taz_123
    taz_123 Posts: 17 Forumite
    Thank you but how do i know if i did pay ppi on any accounts as i cannot remember as these accounts are a few years old .
    Is there any way to find out ?
    Thanks
  • dunstonh
    dunstonh Posts: 119,679 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    If you repaid the balance in full each month then PPI is not charged. It is only when you borrow on the card outside the interest free period that PPI could apply. So, that may help filter some options out.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • taz_123
    taz_123 Posts: 17 Forumite
    Thanks for replies.
    Is there a template letter/email i can send to each company.
    Ive used search bar but cannot see anything.
    As not too sure on wording to ask if i have ever had ppi.
    Cheers
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    "Did I have PPI on my accounts with you?"
  • Nasqueron
    Nasqueron Posts: 10,678 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Dear bank x


    My name is XYZ, my maiden name was ABC


    I lived at 123 Street, Fake Town from date to date


    Please confirm if I had an account with you and if so did I have PPI on the account


    Regards

    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.

  • taz_123
    taz_123 Posts: 17 Forumite
    Morning all.
    So last night i emailed shop direct which i think was correct as this is the company for littlewoods grattans kay and co etc etc?
    So if they come back with a yes for ppi what then.
    Cheers
  • -taff
    -taff Posts: 15,350 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Then you make a compaint with either you didn't want it or need it because you had good sick pay, cover elsewhere or it wouldn't have paid out because you were ineligible.
    Whatever suited your circumstances ta the time it was sold.
    Non me fac calcitrare tuum culi
  • taz_123
    taz_123 Posts: 17 Forumite
    Morning all thanks for your replies up to press.
    Capital one checker had said i had ppi back in 2004.
    And fill in the form.
    It asks for employment status i cannot remember back then but think i was not.
    Do they require this info or proof as it says ask hmrc for proof.
    Also i did not know or remember having this ppi as this is why i checked.
    Any help guys
    Thankd
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