How to reclaim PPI when have no paperwork

Options
Brandynginger
Brandynginger Posts: 6 Forumite
in Reclaim PPI & other insurance
Hello

Apologies if this has been covered previously.

How do I get PPI refunded without having account numbers or any statements, without using one of the PPI companies who take 40%?

I have had numerous store cards and credit cards dating back 20 years. Those accounts were closed many years ago. Is it possible to start a claim on my own?

Many thanks

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    First Anniversary Photogenic Name Dropper First Post
    Options
    You don't make a claim. You send in a complaint as to why it was mis sold.

    Write to the lenders you believe you had PP, but be prepared for them to have no records.

    Under no circumstances use a claims company.
  • Wanton
    Wanton Posts: 173 Forumite
    First Anniversary Combo Breaker
    Options
    You can complete a form on the lenders website, the FCA website has links to specific pages and other advice https://www.fca.org.uk/ppi/how-to-check
  • Brandynginger
    Brandynginger Posts: 6 Forumite
    Options
    Wanton wrote: »
    You can complete a form on the lenders website, the FCA website has links to specific pages and other advice

    thanks this is by far the most helpful website ever!
  • Nasqueron
    Nasqueron Posts: 8,832 Forumite
    Name Dropper First Post First Anniversary Combo Breaker
    Options
    Brandynginger wrote: »
    Hello

    Apologies if this has been covered previously.

    How do I get PPI refunded without having account numbers or any statements, without using one of the PPI companies who take 40%?

    I have had numerous store cards and credit cards dating back 20 years. Those accounts were closed many years ago. Is it possible to start a claim on my own?

    Many thanks

    Claims firms cannot get this data, they have the same access methods as you do such as ringing up each lender and asking them - that is literally all they do which you can do as well.

    Best thing is to think about every lender you have used (last 6 years are on the credit file - check for free on Noddle / ClearScore / MSE credit club) and then write to them (probably easier as you can list old addresses, old names etc) and see what they can find
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.2K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 247.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards