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Too late to reclaim PPI? First National Bank - now GE Money


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Whilst clearing out and shredding some old files a few days ago I came across an old loan agreement with First National Bank which had PPI added.


There is also a letter in the file in answer to a letter I sent to them asking them to cancel the PPI in which they say they cannot cancel it.


My question is, am I too late to claim this back? the agreement is date either 1999 or 2000 it is difficult to tell.


I have all the papers, account number etc.

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I will ask for you, but I can see no reason why you cannot submit a claim.


If you have all the paperwork, then all you need do is complete a spread sheet - the link below will take you to those.




then download the complaint form from the Financial Ombudsman Website - once you have completed both, take copies and send one set to the Company asking for your money back.


If you have any problems complete the spread sheet, just ask and someone will help.

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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

3: Feel Bullied by Creditors or Debt Collectors? Read Here

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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there no time limit on PPI reclaiming.



don't forget the FOS CQ too.




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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As dx and citizenB have said there is no 'time limit' as such on PPI claims, it would without a doubt be well worth your time to file a claim.

For the cost of a few stamps and some effort and time on your part you could get a good return.


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

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

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thank you everyone for your advice, I will make a claim and see what happens.


Consett26 the loan was for doors, it was taken out on a buy now nothing to pay for 9 months, it was paid in full after the 9 months so the ppi was definitely not needed!

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