PPI Deadline

Hi,
Looking for some advice regarding a PPI that I had with Harveys furniture store some years ago. I got one of these solicitors who specialise in ppi to look into it however they came up blank. I have now located some old paperwork that shows that the ppi was with First National, and they are now GE Money.
Question I have is whether it is too late to chase this. I have seen it mentioned that even past the ppi deadline people can still claim if they have good reason to. Would finding this additional paperwork count?

Replies

  • zx81zx81 Forumite
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    Yes, you're far too late.
  • [Deleted User][Deleted User]
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    I’m afraid you’re far too late, it only really works now if: a, you had an extraordinary reason why you couldn’t claim. b, new evidence on an existing claim. c, go through court  
  • brettctabrettcta Forumite
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    Too late, too late will be the cry, when the deadine’s passed for PPI
  • jcarver007jcarver007 Forumite
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    Not necessarily too late. I have another PPI claim, started late due to additional information coming to light, where they have asked for the new details to be sent in to take a look and they actually state late claims will be looked at. My additional information was not turned down so still a chance.
  • edited 17 May 2020 at 2:29PM
    [Deleted User][Deleted User] Forumite
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    edited 17 May 2020 at 2:29PM
    Not necessarily too late. I have another PPI claim, started late due to additional information coming to light, where they have asked for the new details to be sent in to take a look and they actually state late claims will be looked at. My additional information was not turned down so still a chance.
    There is no chance whatever of you starting a new complaint based solely on finding some documents. Only if you had an existing complaint might the Bank even consider the "new" evidence. 

    You said the Claim Company you employed simply "came up blank" and so never made a complaint. 
  • dunstonhdunstonh Forumite
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    New information which could change the outcome does not mean a new complaint is being triggered.  it is a reopening of an existing complaint.  So, as long as you made the original complaint before the deadline, you should be fine.
    it is worth noting that the guidance is that complaints should be reopened where significant new evidence is available that would likely change the outcome.     
    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.
  • [Deleted User][Deleted User] Forumite
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    dunstonh said:
    New information which could change the outcome does not mean a new complaint is being triggered.  it is a reopening of an existing complaint.       
    Yeah, but from what the OP says in the original post no complaint was ever made by the Claim Company...
  • jcarver007jcarver007 Forumite
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    Correct - they came up blank. They contacted the company and were told that no record could be found. The bank have requested that I send copies of the new information and have stated on the phone that they will look into it. At no stage did they say it was too late. If there was no chance whatever then surely the ppi department of the bank would have said so there and then.
  • edited 19 May 2020 at 11:14AM
    [Deleted User][Deleted User] Forumite
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    edited 19 May 2020 at 11:14AM
    jcarver007 said: They contacted the company and were told that no record could be found. 
    The fact that the Bank have told you to send your evidence does not automatically mean they will agree to consider any complaint you might wish to make. However,  if there is a record of the Claim Company  contact,  you could be in with a chance. How long ago was this speculative contact made? 
    Two other points to consider;
    Is your paperwork actual proof not only that you had PPI but also that you paid it? 
    Be aware that a  successful  complaint will likely result in the Claim Company billing you.
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