Late claim, worth a try? Exceptional circumstances?

weila229

I missed the deadline for claiming for mis-sold PPI but was wondering if there's any point in trying to submit a claim now using exceptional circumstances. Not sure my circumstances are that exceptional (they feel exceptional to me) to meet the threshold for a late PPI claim. 

The background:

My physical health in 2019 was already in serious decline (can be evidenced with symptoms reported to GP) and I was also experiencing mental health problems (anxiety & depression).

In 2020 my physical health problems culminated with a brain stem stroke, I needed 90% of my small intestine to be removed due to a blood clot and I had sepsis, was in ICU for 3 days and kept in hospital for 5 weeks. Have spent 2 years recovering physically.

I was also diagnosed by a clinical psychologist as being autistic in 2020 (meaning that I was also autistic at the time when I took out loans and credit cards in the 1990s).

This year, I discovered I've been living with a form of PTSD (which I'm receiving treatment for) for goodness knows how long, but essentially resulting from a lifetime of struggling to function in society without any support for undiagnosed autism, so it was probably there in 2019.

In a nutshell - autism + poor physical & mental health = I did not have the cognitive capacity or executive function to do this at the time. Only now I'm starting to emerge from it and have the ability/capacity to tackle paperwork things.

But is there any point in trying? 

If no, ok.
If yes, what would I write in a letter, as I believe the Resolver tool has been closed?

MorningcoffeeIV

No, the PPI ship has long since sailed.

With regard to how to make a complaint in general though, you write down your complaint reasons, which will be specific to you. Don't use third parties like Resolver  

MSE_Laura_F

Hello @weila229,

We've got a small section about late claims and exceptional circumstances in our guide here:

PPI: Can I still reclaim?

Please let us know how you get on if you do try.

MSE Laura F

[Deleted User]

You will find the complaint almost certainly time barred - the PPI complaints started years before 2019 so there was opportunity to just write and ask them to consider it. Furthermore, the 3 and 6 year rules would likely apply even without the 2019 closure

Further, what evidence could you provide of miss-selling and what records do you have of old finance products given the lenders will likely have deleted anything in line with GDPR after 6 years. Do note, you cannot use your current diagnosis as an argument as it was not known at the time - if you took out a loan and didn't have a medically confirmed problem that might have affected you, you can't retrospectively go back and argue miss-selling as the lender wouldn't have known at the time and made a decision based on your then current medical state.

MalMonroe

Hi, I would certainly do as MSE Laura F suggests above. 

On Martin Lewis's show this week, he briefly mentioned PPI claims and said that although the deadline has passed, there were still cases that could be considered because of exceptional circumstances. As per the info in the link posted.

Do try, you won't lose anything but could gain. I wish you well. 

Angelfish

I think that anyone who claimed PPI  and got their payouts before 2018 should be able to claim the tax back under Special Circumstances as nobody was informed by the DWP that we could do that! We didn't all live on the internet back then and know the things like this that the site tells us now.

[Deleted User]

Angelfish said:

I think that anyone who claimed PPI  and got their payouts before 2018 should be able to claim the tax back under Special Circumstances as nobody was informed by the DWP that we could do that! We didn't all live on the internet back then and know the things like this that the site tells us now.

The DWP do not inform people of tax claims, they deal with benefits, it's HMRC that deal with interest. HMRC have no way to know that you had a payout for PPI so how would they be able to tell you?

That said, I believe all PPI refunds told you that they were deducting tax on the interest element and that you could reclaim it so someone would have had to consciously ignore this information

Also, not sure what 2018 has to do with "living on the internet"? Martin formed the site in 2003 and regularly goes on TV telling people stuff like this. The UK has had around 90% (89.3% estimated) internet user penetration since 2018, the figures for today are 92.74% so not really much of an increase and those digital refuseniks would not know about this anyway 

Dazed_and_C0nfused

Angelfish said:

I think that anyone who claimed PPI  and got their payouts before 2018 should be able to claim the tax back under Special Circumstances as nobody was informed by the DWP that we could do that! We didn't all live on the internet back then and know the things like this that the site tells us now.

You are so confused 🥺

DWP aren't responsible for income tax refunds.

The ability to go back 4 tax years and claim refunds of tax overpaid has been around for donkeys years, long before the internet existed.  Nothing new in that.