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wigworld

PPI paid on past debt

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I've been looking at this forum for a few weeks now, and it's made me think I may be able to reclaim some money from a debt I paid off a few years ago.

Around 10 years ago, I took out a loan with Egg, which I paid off 7 years ago when I had a windfall. However, I'm pretty sure I was paying PPI on this loan, which would have been missold (based on everything I've read here over the last few weeks - I have Diabetes, and was never asked about this when I applied for the loan). Even though it was such a long time ago, would I still be able to get back the money I paid for PPI? To complicate things further, it's unlikely I will be able to find the paperwork from this loan (I've learned since then that it's important to hang onto this stuff!). Will they honour a SAR with just my name, address and date of birth, without any information about the original policy?

Thanks for your advice on this.

David

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I've been looking at this forum for a few weeks now, and it's made me think I may be able to reclaim some money from a debt I paid off a few years ago.

Around 10 years ago, I took out a loan with Egg, which I paid off 7 years ago when I had a windfall. However, I'm pretty sure I was paying PPI on this loan, which would have been missold (based on everything I've read here over the last few weeks - I have Diabetes, and was never asked about this when I applied for the loan). Even though it was such a long time ago, would I still be able to get back the money I paid for PPI? To complicate things further, it's unlikely I will be able to find the paperwork from this loan (I've learned since then that it's important to hang onto this stuff!). Will they honour a SAR with just my name, address and date of birth, without any information about the original policy?

Thanks for your advice on this.

David

 

Cannot give you a definative answer but there is no harm in trying.

I would try and find something to identify you were a customer.

 

If you send a SAR with the £10 fee, best to use a postal order as this allows you to check with the post office to see when it was encashed.

 

Also send the SAR recorded delivery to you track the letter.

 

You may also pick up some information via this link.......Egg

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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