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    • taz 123
    • By taz 123 16th Apr 19, 10:33 AM
    • 6Posts
    • 0Thanks
    taz 123
    New to forum help claiming ppi
    • #1
    • 16th Apr 19, 10:33 AM
    New to forum help claiming ppi 16th Apr 19 at 10:33 AM
    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)
Page 1
    • Moneyineptitude
    • By Moneyineptitude 16th Apr 19, 11:01 AM
    • 23,474 Posts
    • 12,863 Thanks
    Moneyineptitude
    • #2
    • 16th Apr 19, 11:01 AM
    • #2
    • 16th Apr 19, 11:01 AM
    Were do i start to get this rolling.
    Originally posted by taz 123
    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
    • By Nasqueron 16th Apr 19, 11:06 AM
    • 7,197 Posts
    • 4,539 Thanks
    Nasqueron
    • #3
    • 16th Apr 19, 11:06 AM
    • #3
    • 16th Apr 19, 11:06 AM
    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
    • By taz 123 16th Apr 19, 11:08 AM
    • 6 Posts
    • 0 Thanks
    taz 123
    • #4
    • 16th Apr 19, 11:08 AM
    • #4
    • 16th Apr 19, 11:08 AM
    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
    • By dunstonh 16th Apr 19, 11:11 AM
    • 98,002 Posts
    • 66,164 Thanks
    dunstonh
    • #5
    • 16th Apr 19, 11:11 AM
    • #5
    • 16th Apr 19, 11:11 AM
    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). Comments are for discussion purposes only. They are not financial advice. 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
    • By taz 123 16th Apr 19, 1:57 PM
    • 6 Posts
    • 0 Thanks
    taz 123
    • #6
    • 16th Apr 19, 1:57 PM
    • #6
    • 16th Apr 19, 1:57 PM
    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
    • zx81
    • By zx81 16th Apr 19, 2:09 PM
    • 21,742 Posts
    • 23,659 Thanks
    zx81
    • #7
    • 16th Apr 19, 2:09 PM
    • #7
    • 16th Apr 19, 2:09 PM
    "Did I have PPI on my accounts with you?"
    • Nasqueron
    • By Nasqueron 16th Apr 19, 2:58 PM
    • 7,197 Posts
    • 4,539 Thanks
    Nasqueron
    • #8
    • 16th Apr 19, 2:58 PM
    • #8
    • 16th Apr 19, 2:58 PM
    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
    • By taz 123 17th Apr 19, 7:42 AM
    • 6 Posts
    • 0 Thanks
    taz 123
    • #9
    • 17th Apr 19, 7:42 AM
    • #9
    • 17th Apr 19, 7:42 AM
    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
    • By -taff 17th Apr 19, 7:50 AM
    • 9,919 Posts
    • 12,863 Thanks
    -taff
    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.
    • taz 123
    • By taz 123 24th Apr 19, 7:48 AM
    • 6 Posts
    • 0 Thanks
    taz 123
    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
    • zx81
    • By zx81 24th Apr 19, 7:51 AM
    • 21,742 Posts
    • 23,659 Thanks
    zx81
    Just be honest and tell them what you remember.

    Don't make anything up.
    • taz 123
    • By taz 123 24th Apr 19, 8:03 AM
    • 6 Posts
    • 0 Thanks
    taz 123
    Or do i just go for plevin as i cannot remember
    • zx81
    • By zx81 24th Apr 19, 8:14 AM
    • 21,742 Posts
    • 23,659 Thanks
    zx81
    They'll review Plevin if they reject your complaint.
    • Nasqueron
    • By Nasqueron 24th Apr 19, 8:17 AM
    • 7,197 Posts
    • 4,539 Thanks
    Nasqueron
    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
    Originally posted by taz 123
    Remember that if you applied for the card you would have said you were employed / not employed, so if you then put in a PPI complaint saying the opposite it'll cause issues because it would suggest one of the answers is false.

    Capital One PPI was typically sold over the phone after the event (e.g. when card activated) so it would be what you said then that matters (assuming you didn't tick a box to say you wanted it of course).

    Best be honest and check what records you have.
    • Moneyineptitude
    • By Moneyineptitude 24th Apr 19, 9:41 AM
    • 23,474 Posts
    • 12,863 Thanks
    Moneyineptitude
    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.
    Originally posted by taz 123
    Any statement you make needs to be the truth, so for any questions which you are not sure of the answers you need to say you are uncertain. If the answer(s) to these question(s) are crucial to your complaint, then you'll need to supply evidence. In your case, you either say you don't know whether you were employed in 2004 or you contact HMRC etc for proof.
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