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So thanks :-)
A couple of us at work did it and we've received really good amounts on several claims
They'll look at loans, credit cards, store cards, mortgages etc and it doesn't matter if you don't recall the account numbers or who you took out loans with (tick all the boxes on the list and let them do the work).
There's no fee other than their 24% commission on successful claims
They were really thorough and on 2 previous occasions, I'd used big name companies who just returned an answer very quickly with no PPI found
For every recommendation, you get a £20 Amazon voucher and once you hit 5, they'll give you an additional £50 bonus, but that's not what I did it for. I'd rather see friends get some dosh
They're ethical, friendly and not in your face and I've probably spent 2.5 hrs on calls and form-filling with them in the last 3 months but boy. Has it been worth it? Yes, they've earnt their fee and dug deep. My attempts at dealing direct with some of the same finance institutions and their PPI Depts resulted in zilch
Closing date is 29th August
Claiming for PPI is the easiest thing in the world. Do not use a company that charges commission, give all they do is send a letter you could send yourself with five minutes work.
I got back over 7.5K and got to keep every single penny.
My sister-in-law is using one of these PPI firms and all they are doing is pestering her to search for paperwork she doesn't have.
Offset "(Emp) - a little heavy on the hyperbole."
I'm waiting for the reply and value from Barclays but I'm happy to give the claims company their cut as without them I'd never have known about this PPI.
Almost all of my claims I had no paperwork for. It doesn't matter. The banks do the actual digging, all the claims company do is ask them to dig. I'm not paying someone £1000 to write a letter.
I'm not expecting any refund but if I'm mistaken I wouldn't turn it down
'We've investIgated, you're not owed any PPI, this is the final correspondence on the matter"
I've not bothered again since, but was disappointed because Nationwide back in the early '90's fleeced us with a 100% mortgage and I remember thinking we were paying well over the odds back then. I bet that had some PPI attached, but they're saying 'no'!
I couldn't find hardly any paperwork that was over 10 years old.
I contacted Barclays when the PPI thing first burst out & they told me I was owed nothing.
However, I was having a major documentation clear out a couple of years ago & found some old bank statements.
At the bottom of the statement was a fee for overdraft protection... This was not something I had wanted or asked for, it was just slapped on as part of the T&C's (no agree = no overdraft).
I went to the Barclays website, filled in the online form & mentioned the evidence.
Result, a couple of letters and a refund of £1,400 landed in my account.
Don't get too hung up on mortgages & loans, check your bank accounts too
: minor edit to remove dumb repetitions
They haven't found anything for you. They send in bulk information requests for hundreds of customers, then they get back a list of your accounts and if they had PPI.
If it's the case that you were told 'no ppi' previously but now you're being told there is PPI, that's nothing to do with the company. They haven't enabled some kind of deeper search. All they've done is provide the bank with your name, date of birth, previous addresses etc.
If you had PPI they (should) get in touch and go through the complaint with you. This is no different to what you could have done yourself, as all the forms are available online and these are all they use. There aren't any 'secret answers' they can give you which means you'll get a refund.
Then they slap a cover letter on the front, which is often just saying "look at this letter of authority. That signature means we're getting a slice".