Texas homecare credit card 18 May 2019 at 8:38AM edited 30 November -1 at 1:00AM in Credit Cards 6 replies 1K views

mick.edensor

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!

worried_jim

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

You have had decades to claim this PPI back. Why have you waited so long?

nick74

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

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

Chino

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

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.