Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Kipnae
    • By Kipnae 17th Apr 18, 12:49 PM
    • 12Posts
    • 0Thanks
    Kipnae
    Can I claim PPI if I don't have the full account numbers
    • #1
    • 17th Apr 18, 12:49 PM
    Can I claim PPI if I don't have the full account numbers 17th Apr 18 at 12:49 PM
    Hi ,

    I have had several loans and CC's I think i could claim PPI on. However, the accoutns are now closed and all I have is the lender name, start date and end date from a Financial association report from Equifax/Experian from 2009 and another from 2006. . Listed on these reports are masked out account numbers with lots of XXXX's and I only have the final 4 digits of the account numbers - Should/ could I still claim ?

    regards

    Kipnae
    Last edited by Kipnae; 17-04-2018 at 12:59 PM. Reason: typo
Page 1
    • zx81
    • By zx81 17th Apr 18, 12:51 PM
    • 16,792 Posts
    • 17,803 Thanks
    zx81
    • #2
    • 17th Apr 18, 12:51 PM
    • #2
    • 17th Apr 18, 12:51 PM
    You can put in a complaint, if you have complaint reasons.
    • Kipnae
    • By Kipnae 17th Apr 18, 2:53 PM
    • 12 Posts
    • 0 Thanks
    Kipnae
    • #3
    • 17th Apr 18, 2:53 PM
    • #3
    • 17th Apr 18, 2:53 PM
    Even if I don't have the full account numbers?
    • Nasqueron
    • By Nasqueron 17th Apr 18, 2:53 PM
    • 4,486 Posts
    • 2,642 Thanks
    Nasqueron
    • #4
    • 17th Apr 18, 2:53 PM
    • #4
    • 17th Apr 18, 2:53 PM
    Even if I don't have the full account numbers?
    Originally posted by Kipnae
    Yes just provide the details you have, your name (old name if applicable), address at the time of sale etc and see what they come back with. Then construct your complaint
    • Kipnae
    • By Kipnae 17th Apr 18, 2:58 PM
    • 12 Posts
    • 0 Thanks
    Kipnae
    • #5
    • 17th Apr 18, 2:58 PM
    • #5
    • 17th Apr 18, 2:58 PM
    and that should all be done via the resolver site on here?
    • zx81
    • By zx81 17th Apr 18, 3:01 PM
    • 16,792 Posts
    • 17,803 Thanks
    zx81
    • #6
    • 17th Apr 18, 3:01 PM
    • #6
    • 17th Apr 18, 3:01 PM
    Only if you like lost details and delays.

    Write directly to the lenders.
    • Kipnae
    • By Kipnae 17th Apr 18, 3:13 PM
    • 12 Posts
    • 0 Thanks
    Kipnae
    • #7
    • 17th Apr 18, 3:13 PM
    • #7
    • 17th Apr 18, 3:13 PM
    not sure I understand what you mean.

    Are the suggested procedures we are advised to follow on this site wrong then?
    • zx81
    • By zx81 17th Apr 18, 3:16 PM
    • 16,792 Posts
    • 17,803 Thanks
    zx81
    • #8
    • 17th Apr 18, 3:16 PM
    • #8
    • 17th Apr 18, 3:16 PM
    Resolver is a third party tool. It makes things slower and not all lenders accept information through it.

    If you send your complaint directly to a lender, you cut out the weak link of the chain.

    This site recommends Resolver because this site owns Resolver.
    • McKneff
    • By McKneff 17th Apr 18, 3:25 PM
    • 35,996 Posts
    • 46,351 Thanks
    McKneff
    • #9
    • 17th Apr 18, 3:25 PM
    • #9
    • 17th Apr 18, 3:25 PM
    Do you have a reason to complain and evidence to back you complaint up.

    You dont get Ppi back just because you paid it.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
    • Kipnae
    • By Kipnae 17th Apr 18, 3:35 PM
    • 12 Posts
    • 0 Thanks
    Kipnae
    no reason. The fact is I don't know if any of my closed accounts even had PPI attached to them. isn't that the point?
    • zx81
    • By zx81 17th Apr 18, 3:42 PM
    • 16,792 Posts
    • 17,803 Thanks
    zx81
    Not really, as it would have appeared on statements and paperwork, especially in the case of credit cards.

    You may need a more robust reason.
    • Nasqueron
    • By Nasqueron 17th Apr 18, 3:49 PM
    • 4,486 Posts
    • 2,642 Thanks
    Nasqueron
    no reason. The fact is I don't know if any of my closed accounts even had PPI attached to them. isn't that the point?
    Originally posted by Kipnae
    You need to find out if you had it, then complain why you feel it was miss-sold, if you did have it. If you didn't, bonus as you didn't waste money
    • Kipnae
    • By Kipnae 17th Apr 18, 3:51 PM
    • 12 Posts
    • 0 Thanks
    Kipnae
    some of these accounts were closed over 12 years ago and I have no paperwork - didn't even know what PPI was back then. Am I just wasting my time then? even with Plevin?
    • sun73
    • By sun73 17th Apr 18, 6:58 PM
    • 404 Posts
    • 128 Thanks
    sun73
    You might be wasting time but you won't find out unless you try. Some of your accounts might have included PPI, others not.

    What could help is if you phone the lenders own PPI helpline or submit a PPI check form online, most lenders have this facility and 2009 is not that long ago in PPI terms. There's a very good chance they'll be able to locate details of your finance without the full account number, it's credit with PPI pre 2001 that is harder to find.

    If you can obtain any bank statements showing direct debit payments to these lenders, or, a direct debit list from your own bank might reveal the full account numbers.

    If your loans were unsecured they might have been set up with a single upfront PPI policy which you can mention in the complaint questionnaire.
    • Nasqueron
    • By Nasqueron 18th Apr 18, 10:20 AM
    • 4,486 Posts
    • 2,642 Thanks
    Nasqueron
    some of these accounts were closed over 12 years ago and I have no paperwork - didn't even know what PPI was back then. Am I just wasting my time then? even with Plevin?
    Originally posted by Kipnae
    Plevin is not PPI, it's only an issue if you make a complaint and it was rejected AND there was an issue with commission being over 50%. You complain about PPI first then if rejected the firm will usually look at Plevin automatically
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,740Posts Today

6,311Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line? https://t.co/kwjvtd75YU

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin