Thread: Unsure how to proceed?

Good Morning all

I have just recently acquired my Subject access request for both my River Island Card and Lloyds TSB credit card. Both were taken out whilst a student at University and both had PPI.

The thing is, in 2005 I remember being allowed to cancel the ppi on the river island, have I asked what it was, the advisor took some info from me and said you ' don't need it'. The same happened last year with Lloyds.

I was paying ppi on river island for 6 years, never claimed as until 2005 didnt know what it was on statements as never got any policy info. The same for LLoyds.

Should I have been refuned these premiums. They both were £20 a month!

Thanks in advance

If you have a valid reason to claim the PPI was mis-sold then you can claim back all the PPI premiums you have paid. However please read through the stickies at the top of this forum to see what circumstances apply to mis-selling.

PPI - Some Notes for Claimants..

and more information in here...links

such as this:

For claims before 2005 and the FSA ruling from which campaign
How to tell if you’ve been mis-sold PPI

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08
Reclaim your PPI premiums - payment protection insurance | This is Money

This is a little snippet from the above link....

Can I reclaim on any PPI policy?
Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.
However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.

fos details of some PPI claims and the rulings
issue 71 - complaints about payment protection insurance

aa