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how do they charge you PPI? Presumably only if there wasn’t interest on anything not paid off each month?
No, it's an insurance policy, you would pay it each month not related to interest at all. I can remember when I took a loan out with Lloyds they essentially told me if I didn't take it out I may get refused the loan as it's a lack of security for the bank. Which was lies but I've never made the effort to claim
It all started when my bank got in touch and said it might have missold me PPI on an overdraft and would I like to claim. I said yes. Two weeks later they'd paid over £2K into my bank account.
So this set me off onto all my other likely sources. And some had changed hands company wise and I had to work out who to write to. But I did it. And got letters off to several companies going back many years. In most cases there was a second stage with a phone interview, but nothing difficult. In some cases the only information I had on old bank accounts was hoping they still had the data. I was still successful.
The result is I've had over £7K back this year. Minimal effort. No third party ambulance chasers involved. Just used some form letters I found on an advice website.
Paid off my credit card, got me a 4K TV and some other toys. Well worth doing.
@57Deluxe
PPI will be attached to each credit card account, so if you had 5 credit cards then you've got 5 possible claims if you accepted PPI cover for all of them. If you are talking about multiple balance transfers on one card then it will all be linked to that.
I used the Resolver service and filled in as much as I could remember about when I opened my credit cards and what my employment status and address was back then (like 20 years ago). If you send them the approximate details they should be able to find something.
If they can't find anything then consider it a learning experience to keep paperwork!!
Go and read about it at moneysavingexpert.com, that's the best resource IMO.
At some point in the pat I *know* I had PPI - and I know I declined it on the phone but it was on the paperwork when it arrived and I was in a hurry for the money so went with it.
But for the life of me I don't know who it was with - and my Credit Report only goes back to closed loans c. 2010 and this was WAY before then.
so I'm not sure what to do (and no I don't have any old paperwork)
https://www.fca.org.uk/ppi/how-to-check/search-for-provider
Obviously check the small print, but the radio advert makes out like you can do this, and they usually have to read out any important terms.
Alternatively do it yourself, but it will involve writing to every bank you can think of and asking them to investigate.
All the rest is a copy and paste template, and if you get any money back it's absolutely nothing to do with anything that the company has done.
anyone have ate any idea how I can find out who I had a credit card with 30years age - I know I did but can’t for the life of me remember who it was with ?
When I contacted PPI lawyers they told me to fuck off.