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Evening all!

 

I thought it was about time I had a look at my old accounts to see if I've ever paid for PPI that I didn't want/need...I know for a fact that I took out a loan with Citi in 2006 in which the PPI made up the amount of the loan...if that makes sense...I know I didn't want it but was told I had to have it.

 

Anyway, I've had more credit cards and loans over the years than I care to remember...starting around 2003, I think. All paid off and debt free these days...but I have no idea how I go about finding out who I had loans/cards with at what time and even where I was living at the time (had a few different addresses!)

 

What's the first thing to do in my position? As far as I know, my credit details are roughly as follows:

 

2000 - Barclaycard, paid off in 2008

2000 - Debenhams card, paid off in 2003

2001 - Egg card, paid off in 2006

2003 - Burtons card, paid off in 2006

2003 - Halifax loan, paid off in 2008

2003 - Halifax credit card, zero balance but still active

2005 - Ikea card, paid off in 2008

2006 - Citi Financial loan, paid off in 2008

2008 - Welcome Finance loan, paid off in 2009

 

So...where the hell do I go from here?! :jaw:

 

Thanks for any help...I've been reading a fair few threads in this area over the past couple of hours!

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SAR each lender and gove your full name and all the addresses you have had since taking the accounts.

 

Add a line to the SAR to satate that it is to include copies of all and any agreements you have had with them.

 

You might have a problem in getting data beyond six years old though.

 

In the absence of data coming back from a SAR you could always try a speculative claim by sending in a completed fos questionnaire and seeing if anything comes back. It's a bit of a phishing trip but you might get lucky.

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Cheers...I'll give that a go. I think I'll start with Citi as, like I say, I know that they said I had to accept the PPI as part of the total borrowed.

 

Thanks for your reply.

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