Always refused PPI, but Gladstone Brooke’s says I have had it.

Chris-TT

I thought I’d check just on the off chance. I always refused PPI, I could see it was a rip off from the first time it was offered to me. However I thought it was worth double checking before the deadline. I contacted Gladstone Brooke's, and they came back saying that they have found accounts with PPI on them. At the time I was on holiday, and I asked them to not to contact me until my return. I kid you not they called me another 15+ times while I was away usually several times a day, so I told them I was no longer interested. They still contacted me, so I've now put on a GDPR complaint against them (they've still contacted me a further five times).

All of my accounts are over six years old and and have fallen off my credit file, ideally out of principle I'd now like to pursue this myself, however I don't have any of the account details. Gladstone Brookes were able to find them, so any idea how I would go about finding them myself?

[Deleted User]

They haven't found anything. They're just signing you up to the suckers list.

If you feel you had PPI, write to the lender concerned. But it seems clear you didn't.

Chris-TT

They have said they’ve found at least one. I went through the process of telling them who I’ve had loans and credit cards with and signing a form for them to look into it. I’m fairly sure on one of the calls they said it was ether a Barclaycard or Barclays overdraft. What do I say to them though? I have none of the account details anymore and no proof that I ever held accounts with them, surely it’s not in there interest to reveal anything as over six years have past?

[Deleted User]

You ask them if you had PPI. If you did, you submit your complaint.

It doesn't matter if it's in their interest or not. It's not as if they have a choice.

robber2

Chris-TT wrote: »

They have said they’ve found at least one....................

Well they would wont they.

Chris-TT

Sure. However I can’t see why it would be in there interest to lie, I already signed up to there ‘no obligation’ service. They must have found something to trigger them to keep calling and even writing to say they had found PPI on at least one of the accounts.

[Deleted User]

See post 2. PPI is almost over. They need to build the suckers list for the next bandwagon.

They don't care if you had PPI or not. The call staff just need to keep their jobs and they can only do that by signing people up.

Nasqueron

Chris-TT wrote: »

Sure. However I can’t see why it would be in there interest to lie, I already signed up to there ‘no obligation’ service. They must have found something to trigger them to keep calling and even writing to say they had found PPI on at least one of the accounts.

If you gave them a proper Letter of Authority then they are able to speak to the banks on your behalf so they may well have found a policy that you weren't aware of (something you could have done yourself just by asking the bank). The question now will be whether you can get out of this contract or if they will charge you for wasting their time by not proceeding - read the terms and conditions about whether you can complain yourself directly.

Chris-TT

It was a contract but was a no obligation deal, it’s the only reason I went with it. They sold it in such a way that I could use them, or pursue it myself. I wrongly presumed they’d give me the details... however all they’ve done is tell me that I did have PPI and then harassed me with phone calls and letters to try and get me to get them to pursue it through them, which I guess given the circumstances should have been expected.