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Hi guys,

 

Wondering if any knowledgeable souls can assist me here :-)

 

In the past I have had an MBNA credit card, and a Sainsbury bank loan. The credit card was taken out in around 2011, the loan in around 2012/13. I got myself into an almighty mess with these, payday loans and the like. Needless to say I defaulted on both.

 

My question regarding PPI....are these both too recent to have had PPI attached? Did this all die down a few years beforehand?

 

I phoned Sainsbury's to ask if my loan had PPI, to which they said no. How do I know they are telling the truth here? Is there any stories/evidence of these places lying about this subject? As I got myself into such a hole with all this and bank charges, I'm trying to piece myself back together. If I'm owed anything at all I can pay my debt down!

 

Many thanks,

 

Matt

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Hi,

 

As both your credit card and loan were taken out within the last 6 years you should send a Subject Access Request for both, this should get you all the information you need to re-claim any PPI or charges.

 

What's the situation with them both now.


 
 

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Hi,

 

As both your credit card and loan were taken out within the last 6 years you should send a Subject Access Request for both, this should get you all the information you need to re-claim any PPI or charges.

 

What's the situation with them both now.

 

Thanks for the reply.

 

My situation is that the credit card is fully paid off, but marked as defaulted on my credit file.

 

The loan had a total balance of approx £3600 to be paid off. This now has around £2500 to pay, again in default.

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I guess if a loan is older than 6 years, a SAR is pointless as they will just say they no longer hold records...

 

In which case you'd need to have evidence by way of the signed agreement...:sad:

 

TB

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