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New PPI claim - is it worth it?


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Hi all,

 

First time poster so hope I'm not breaking any rules with this one.

 

I've had a number of loans over the last 10 years, some with and some without PPI - I've been keeping an eye on the whole issue for a while now and always though it wasn't worth claiming as unfortunately I'm one of these people who nevers keeps financial documents.

 

Looking at my credit file from creditexpert, I can see that I've had the following loans:

 

Egg

 

 

Account Opened Account Closed

19/05/2005 23/12/2006

23/12/2005 09/11/2007

 

 

Barclays

 

 

Account Opened Account Closed

08/09/2006 07/11/2007

26/10/2006 04/07/2007

05/11/2007 10/12/2008

 

And I know I had a Welcome Finance loan, going back possibly to around 2003 - but I can't be 100% sure.

 

To be honest I can't even remember if I didn't had PPI on all of the above, so I guess my question would be - is it worth claiming for the above if I don't have any documentation or numbers relevant to the agreements? If so, where do I start - would it be with a SARs request?

 

Apologies for asking lots of questions that I'm sure have been answered before, not really sure where to start with this one.

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yes sar

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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You can find a draft letter for a Subject Access Request in the CAG library.

 

Send each Bank/Creditor a SAR with the fee of £10.00. If you have moved at any time during your relationship with any of them, then in order to help them find data, give them all addresses - especially where you dont have any account numbers.

 

They have 40 calendar days to provide you with the information you require. Then you can start to work on reclaiming the PPI :)

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

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4: Staying Calm About Debt  Read Here

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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