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Texas homecare credit card

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Can anyone help me with this please?
Back in the late 1980's I took out a credit card from a branch of Texas Homecare to purchase a greenhouse.
I know for certain that I paid PPI on this card, so would like to be able to claim this back.
Problem is, I have no idea who the lender was behind this credit card, as obviously it wasn't Texas Homecare!
I thought it might have been MBNA, but PPI SEARCHES have come up with nothing.
I also remember that Texas was taken over by Sainsburys as HOMEBASE. PPI searches here have also drawn a blank.
If anyone has a lead that would help track down who the lender might be, please let me know.

Thanks!

Comments

  • worried_jim
    worried_jim Posts: 11,631 Forumite
    10,000 Posts Combo Breaker
    I think it's too long ago to claim if it's from the 80's. Weren't they bought by Homebase whilst under the ownership of Sainsbury's?
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
    1,000 Posts Combo Breaker Newshound!
    You have had decades to claim this PPI back. Why have you waited so long?
  • nick74
    nick74 Posts: 829 Forumite
    Part of the Furniture 500 Posts Name Dropper
    Were you not happy with the reply given when you asked this question on here a year ago?

    If you have no paperwork then a claim from so long ago is almost certainly going nowhere.
  • Nasqueron
    Nasqueron Posts: 10,620 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You don't "claim PPI", you complain it was miss-sold and provide your evidence to support your complaint. If you knew you had it and were unhappy, why did you not complain at the time? Even if you had evidence, it's probably time barred anyway

    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.

  • Chino
    Chino Posts: 2,031 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Nasqueron wrote: »
    You don't "claim PPI", you complain it was miss-sold and provide your evidence to support your complaint.
    Not necessarily; from the MSE article Reclaim PPI for free (updated 14 May 2019):

    "Have you been Plevined? A recent ruling means just having had PPI means most were mis-sold
    'Plevin' is a newish mis-selling category of PPI. It essentially means that if you got PPI with a loan or credit card from a bank or building society, you were mis-sold.
    ..."
    Nasqueron wrote: »
    it's probably time barred anyway
    Also from the same article:
    Claims can generally be made on policies going back to the 1990s (possibly earlier).
  • Nasqueron
    Nasqueron Posts: 10,620 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Chino wrote: »
    Not necessarily; from the MSE article Reclaim PPI for free (updated 14 May 2019):

    "Have you been Plevined? A recent ruling means just having had PPI means most were mis-sold
    'Plevin' is a newish mis-selling category of PPI. It essentially means that if you got PPI with a loan or credit card from a bank or building society, you were mis-sold.
    ..."


    Also from the same article:


    Shock horror, a simplified consumer website uses the wrong terms.


    No-one claims PPI, you have to make a complaint, the issue is miss-selling, not having PPI, so there is nothing to claim back, only an allegation of wrong doing that has to be investigated. If it was just about claiming back no-one would be refused.


    Plevin covers only cases where your complaint was rejected (again, see how it's not claiming?), if you complained and were refunded you don't have a Plevin case as you already had the money back.

    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.

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