My brother has suggested that I may have a PPI claim from the 1990's

even though the bank already refunded the premium,

on the grounds that I was refused a claim on it.

When I tried to claim I was told I wasn't covered due to NOT being in full time permanent employment when I took out the policy.

I was in fact in full time employment but the underwriters misconstrued my letter of appointment.

There was a paragraph which read

"after a trial period of 6 months your wage will increase to xxx".

I always maintained that only the pay level was subject to the trial period and not the employment itself, but they refused to pay me.

I was redundant for a period of 13 months and could not pay the loan.

The bank obtained a CCJ and I was instructed to pay £15 per month.

Eventually I actually paid it off at a rate of £200 a month as I wanted it gone.

The bank refunded the PPI premium directly to the debt.

i have never considered I could make a PPI claim because they repaid the premium

but my brother says it was their fault I suffered hardship because I thought I was covered due to the bank accepting me for the insurance.

I still remember the snotty woman on the phone refusing my claim (think it was London & Edinburgh insurance co)

and when I said I would take them to court if they didn't pay she simply said "I'll look forward to it"!

Any advice as to how I could possibly find out the details of my account after all this time would be welcome

and if at all I have any chance to claim anything back?

Thank you.

Oh and would the moderators please put this in the PPI forum/correct place? Apologies I haven't been on here for a while and I'm just getting to grips with navigation once again.

you could try sending the original creditors an SAr to get all the details.

from that you might be able to determine what might ne owed you.

theres no time limit on PPI reclaiming.

however, if the PPI premiums were repaid/removed

then unless they failed to pay your the interest the PPI had caused

there might not be much to get back?

dx

Thank you for the reply. Is it not the case (as I was led to believe through hearsay) that they only have to provide/keep records of the last 6 years?

If not then yes I did wonder about the SAR. Thank you.

Thank you for the reply. Is it not the case (as I was led to believe through hearsay) that they only have to provide/keep records of the last 6 years?

If not then yes I did wonder about the SAR. Thank you.

Yes, they can hide behind this. But it may be the best £10 you ever spend.

Thank you for the reply. Is it not the case (as I was led to believe through hearsay) that they only have to provide/keep records of the last 6 years?

If not then yes I did wonder about the SAR. Thank you.

My RBS SAR produced information as far back as 1998. Good luck.

My RBS SAR produced information as far back as 1998. Good luck.

Thank you. I have been busy so have only just been able to review this.