Overwhelmed by all the information available!

[trickyc]

Hi!

 

Wow - so much information and sticky topics I don't know where to start!

 

I am looking at claiming back PPI charged on my old loans and credit cards. All are now cleared with some dating back to early 2000's.

 

I know that I have had at least 5 personal loans with HSBC & probably 3/4 with Egg (And a Egg credit card). Unfortunately I don't have the paperwork relating to these.

 

Now where do I start?! Some of the stickies are a few years old - is this info still upto date?

 

All help gratefully received!

 

Thanks

[BRIGADIER2JCS]

Hi welcome to CAG,

 

The experts on PPI will along to help you

asap.

[BankFodder]

The forum is big - and probably a bit unstructured by now. We do our best.

 

Your best bet is to spend a couple of days - several hours, browsing. Getting a hang of the layout and learning on your way.

 

Then you will be able tome back and ask more directed questions.

[trickyc]

Thanks for the responses so far, I have had a quick read of the sticky threads.... and it would look like my first task is to send off a subject access request to the Egg & HSBC.

 

Might also try and dig out a credit report to see what other store cards / credit cards / loans I have forgotten about.

 

I'm already getting excited....!!

[ims21]

Hi and welcome

 

You're right...if you haven't got all the statements and agreements then a SAR is the starting point to get as much information as you can.

 

Where you have had multiple agreements/accounts with teh same lender, one SAR is all that is needed to that lender to get details of all accounts.

 

For the ones that are loan accounts, add a line into the SAR request that it is to include copies of all and any loan agreements you have ever held with them.

 

There is a template for SAR in the CAG library, the link to which is at the top of every CAG page on green. Cost of each SAR is £10 and they will have 40 days to comply.

 

From the information that comes back you will be able to prepare a spreadsheet of claim to send to the lender. You will also need the fos consumer questionnaire which is available from the fos website.

 

Also have a read of Nos 1 and 2 in my signature.

 

ims