How far back can you claim

You can complain about a policy as far back as records exist. If your account was closed in 2007, it's not unreasonable that the bank has deleted your records in line with the data protection act (superseded by GDPR) which banks generally interpret as older than 6 years is the time to take action. If you have your own records, provide the evidence and they will look at it. The only other chance is to send a SAR to them and see if they dig out anything that the PPI team couldn't see/access. If they have nothing and you have nothing, your complaint is over.

No, it's not illegal.

But if you believe you were mis sold, you can make a complaint.

thompson_2009 wrote: »

okay thanks so how far can i go back with a PPI claim and i am right you cannot claim bank charges back any more?.

You can make a complaint as far back as records exist, as I said in the first reply, just go on the bank website in most cases. As above if neither of you have any records left it will be a simple rejection. What would be your complaint reasons so long after the sale?



No you can't claim back old bank charges since the 2009 supreme court case

thompson_2009 wrote: »

I dont understand. Is PPI acually illegal and if so surely it's up to the banks to refund people the money they owe. Not the person to do all to research and letter writing and so on.

PPI is simply an insurance policy.
It's not illegal to have PPI any more than it would be illegal to have car insurance, PPI is still sold today mostly with mortgages.

The PPI scandal was one of widespread mis-selling to those who often didn't need (or want) it.

In your case, there is no evidence that you ever had such insurance, so you can hardly complain about it nor expect a refund.

As for bank charges, these are only (sometimes) refunded to those caught in a cycle of charges causing them genuine (and current) financial hardship. For the majority of people, a refund of bank charges is therefore not an option.