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Help needed to reclaim PPI from Direct Line

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Hi All,


I am just about start a claim against direct line for mis-selling ppi (its actully for my sister in law). I have never done this before but I do a little bit of general advice work and feel I have nearly grasped what is required. The story is as follows:


She took out a loan with DL in 2002 (she cant remember the exact amount or if she took out PPI). In September 2005 she still owed £3500 and cleared this by taking out a loan of £5000 with PPI (single premium). She has a copy of the second agreement but not the first. She was employed but had serious mental health issues during this time (had a nervous breakdown). The debt is now with a DCA and she has had a repayment plan going with them for a few years now. They have just sent out an income and expenditure sheet for completion.


I have drawn up a letter of complaint outlining why i feel the PPI was mis-sold and I have also requested a copy of the CCA for the initial loan.


I have some questions:

1. When is it better to send a SAR and not a CCA?


2. Is the fact that the debt will be 5yrs old on the 20th of September significant in regards that the PPI policies, as far as I understand, only cover 5 years.

3. Becuase of the question of the selling of the PPI at the time of the agreement should I put the account into dispute and hold payment or not?

4. Do I make the £1 cheque paybable to RBS or Direct line?

5. And would I send a SAR to the same address or not?


Sorry for all the questions but I feel I nearly have a good understanding of what to do but dont want to make any mistakes. Any other advice would be much appreciated.



Many thanks



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Hi, alfied.


I'll move this thread to the appropriate Forum.





Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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