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Total noob, PPI query
Johnny_B
Posts: 8 Forumite
Eh up.
I'm not convinced that I ever had PPI for loans, credit cards or mortgages...if I did, I certainly didn't take it out knowingly.
However, I have NO IDEA who I have had cards and loans with from 5 years ago and older (I tended to take a credit card with a 0% period and then do the 0% balance transfer thing and cancel/cut up the old cards) so I have no idea where to start looking.
There have been several companies advertising on the radio who claim that they can actually chase all of that up without any paperwork from me.
Frankly I'm tempted; 70% of something is bigger than 100% of nowt.
So, questions:
1. Is there a way to find out who I borrowed from and if they missold me PPI dating back say...20 years? I tried the MSE Credit Club but my report only goes back five or six years.
2. If there isn't...does anyone know a good (comparative term, I know) claims company I can use...like I said, I'd rather have 70% of something than 100% of nothing.
I have read through a few threads on the use of claims companies and all of them have descended into name calling and arguing...if you can be kind and just answer the questions I've asked, that would be really really appreciated.
Thanks all!
I'm not convinced that I ever had PPI for loans, credit cards or mortgages...if I did, I certainly didn't take it out knowingly.
However, I have NO IDEA who I have had cards and loans with from 5 years ago and older (I tended to take a credit card with a 0% period and then do the 0% balance transfer thing and cancel/cut up the old cards) so I have no idea where to start looking.
There have been several companies advertising on the radio who claim that they can actually chase all of that up without any paperwork from me.
Frankly I'm tempted; 70% of something is bigger than 100% of nowt.
So, questions:
1. Is there a way to find out who I borrowed from and if they missold me PPI dating back say...20 years? I tried the MSE Credit Club but my report only goes back five or six years.
2. If there isn't...does anyone know a good (comparative term, I know) claims company I can use...like I said, I'd rather have 70% of something than 100% of nothing.
I have read through a few threads on the use of claims companies and all of them have descended into name calling and arguing...if you can be kind and just answer the questions I've asked, that would be really really appreciated.
Thanks all!
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Comments
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There will be no claim company recommendations here. If any do appear, they are spam.0
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Moneyineptitude wrote: »There will be no claim company recommendations here. If any do appear, they are spam.
...and in answer to the first question?0 -
Your credit files show the last 6 years.
The rest is in your head or your filing.0 -
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Moneyineptitude wrote: »You could write to all the major lenders enquiring if you ever had PPI with them. They are unlikely to have records going back more than six years though..
No claim company can do any more than this..
Ah, given my dodgy memory and lack of paperwork it looks like a non-starter then. Well, if nothing else you've saved me some time! Cheers!0 -
Claims companies tell lies, there is no information database on who had products / PPI etc they just ask you to remember and try and write to everyone with the same template and hope something sticks
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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