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Reclaiming pre 2005 PPI from Welcome


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I've been reading around the threads for over an hour now and I'm going dizzy so thought I'd just ask a simple question instead :-) I had 2 possibly 3 loans with welcome around the 2001-2003 period and I'm trying to figure out if it's worth trying to claim PPI. I am very clear that at the time I was told quite emphatically that I could not have the loans without the PPI, was given no information on alternatives available etc.

 

I noticed from Welcome website that they are closed for new loans and that the FSCS had put them into default and that "Customers of Welcome Financial Services Limited (WFSL) may be entitled to receive compensation from the Financial Services Compensation Scheme (FSCS) in relation to advice on or the arranging of payment protection insurance (PPI) by the firm on or after 14 January 2005. The FSCS does not cover claims for compensation in relation to PPI business conducted prior to that date."

 

Obviously my loans were prior to this so would I just send a SAR to Welcome instead (I stupidly no longer have the paperwork) or should I just chalk it up to a bad experience? Any advice, gratefully received :-)

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