PPI Claim After Name Change

spooky2600

Hi all,

I’ve never claimed for PPI, but I believe that I am eligible for some money back. My situation is a little different than most people, so I’m here asking for advice on the best way to handle this.

In 2012 I changed gender, including a name change by deed poll. In 2015 I was awarded a Gender Recognition Certificate. On the back of this I had my credit report updated. So I’ve effectively erased my former identity.

Recently my ex tried to claim PPI (through a claim company) and was told there is money due back, but I need to claim as everything was in my (former) name. Unfortunately I don’t have the details of which accounts had PPI, but I do have a copy of my credit report to work from.

But because of my name change I’m not sure how to handle this. Looking at the Resolver tool provided by this site, there doesn’t seem to be any way of advising of a change of name. So I’m looking for guidance on the best way to claim.

Does anybody know if I can, considering my circumstances, claim through the Resolver tool here? Or will I need to send letters directly myself. If the latter, is there anything particular I need to do other than mention my name change? I can send copies of my deed poll certificate if necessary.

Any advise would be welcome.

Thanks!

[Deleted User]

You're making a complaint, not a claim, and it would best not to use Resolver.

Always complain directly to save time and reduce errors.

However, if a claims company has told you there is money due back, they will be lying. You'll need to send in your own complaint reasons.

-taff

You should be treated the same as anyone else ho has changed their name, you will have to provide them with proof. Your deed pol should suffice.
Complain directly to them through their website or on the phone.
Note that you don't 'claim', are not 'eligible for a refund' are not 'due a refund'
You make a complaint that the PPI was missold for whatever reason applies to you, so for loans and credit cards, that's good sick pay, savings or alternative cover.

[Deleted User]

spooky2600 wrote: »

Recently my ex tried to claim PPI (through a claim company) and was told there is money due back, but I need to claim as everything was in my (former) name. Unfortunately I don’t have the details of which accounts had PPI, but I do have a copy of my credit report to work from.

No company can or should tell people they have "money due" from a potential PPI complaint. They simply do not know.

Your credit report will only go back six years and won't show whether you had PPI in any case.

Can't you ask your ex which accounts if any were identified as having PPI?

If he/she doesn't know either then it sounds like the Claim Company were just trying to get you both to sign as customers with a tempting offer of free money with no real substance.

In your situation I would send a Subject Access Request (SAR) letter to the likely lenders who may have sold you PPI with your finance.

You'll obviously need to provide solid evidence of your dual identity both in your initial enquiries and/or for any complaint you might subsequently make. A copy of your Deed Poll should indeed suffice.

Avoid Resolver, as it will likely confuse matters and cause significant delays. Send everything in writing..

Nasqueron

If you had a sole account (not a joint one) then your ex has no right to make a complaint on your behalf


Claims firms always tell you that you are due money because they are on a sign up bonus and so need to hook people in and then hope they get lucky