New to forum help claiming ppi

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taz_123
taz_123 Posts: 17 Forumite
in Reclaim PPI & other insurance
Hi guys and girls
im new to forum and would like to say hello first so "HELLO".
I am wanting to find out how i go about claiming ppi but this topic is just going over my head.
Can any of you guys give me a heads up on how to do this as not 100% sure.
What do i need to do first i have had numerous catalogues over the years little woods gratons great universal etc etc
credit cards capital one vanquis littlewoods visa etc etc so have had quite a few.
Were do i start to get this rolling.
Thanks (apreciated)
«134

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  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    taz_123 wrote: »
    Were do i start to get this rolling.
    Here is the MSE advice article which covers the process in some detail:
    https://www.moneysavingexpert.com/reclaim/ppi-loan-insurance/

    If you have specific questions after reading the above, by all means return here and ask.
  • Nasqueron
    Nasqueron Posts: 8,832 Forumite
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    The simplest way is to write to every lender you used and provide them with your details (current + any old addresses, old name if married/divorced etc) and ask them if they still have any details on your account and if it had PPI


    If they do and you had PPI and you feel it was miss-sold then write back to them with the reasons why you feel it was miss-sold, plus any evidence you have to support your complaint and see what they say.


    You can google the addresses for all the above or search this forum to see who to complain to if the company was purchased.



    Don't use a claims firm - be careful you don't end up on their site by mistake, some of them are designed to make it look like you are complaining to the firm rather than via a claims company
  • taz_123
    taz_123 Posts: 17 Forumite
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    Thank you but how do i know if i did pay ppi on any accounts as i cannot remember as these accounts are a few years old .
    Is there any way to find out ?
    Thanks
  • dunstonh
    dunstonh Posts: 116,383 Forumite
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    If you repaid the balance in full each month then PPI is not charged. It is only when you borrow on the card outside the interest free period that PPI could apply. So, that may help filter some options out.
    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.
  • taz_123
    taz_123 Posts: 17 Forumite
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    Thanks for replies.
    Is there a template letter/email i can send to each company.
    Ive used search bar but cannot see anything.
    As not too sure on wording to ask if i have ever had ppi.
    Cheers
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    "Did I have PPI on my accounts with you?"
  • Nasqueron
    Nasqueron Posts: 8,832 Forumite
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    Dear bank x


    My name is XYZ, my maiden name was ABC


    I lived at 123 Street, Fake Town from date to date


    Please confirm if I had an account with you and if so did I have PPI on the account


    Regards
  • taz_123
    taz_123 Posts: 17 Forumite
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    Morning all.
    So last night i emailed shop direct which i think was correct as this is the company for littlewoods grattans kay and co etc etc?
    So if they come back with a yes for ppi what then.
    Cheers
  • -taff
    -taff Posts: 14,506 Forumite
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    Then you make a compaint with either you didn't want it or need it because you had good sick pay, cover elsewhere or it wouldn't have paid out because you were ineligible.
    Whatever suited your circumstances ta the time it was sold.
    Shampoo? No thanks, I'll have real poo...
  • taz_123
    taz_123 Posts: 17 Forumite
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    Morning all thanks for your replies up to press.
    Capital one checker had said i had ppi back in 2004.
    And fill in the form.
    It asks for employment status i cannot remember back then but think i was not.
    Do they require this info or proof as it says ask hmrc for proof.
    Also i did not know or remember having this ppi as this is why i checked.
    Any help guys
    Thankd
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