shellyk666 Posted August 16, 2012 Share Posted August 16, 2012 After my dad received a cheque for a successful reclaim of PPI I thought I'd make enquiries with my bank directly. It took 2 phone calls. The first to track down whether or not I actually had PPI on any credit with them in my past, and then the second call to register my complaint. I honestly didn't think I had ever taken any PPI policies out, however, today I received over £1000 back!! :jiggy: They also give you 8% simple interest for each year that has passed. I would suggest to everyone who has had a loan/credit card/store card etc in the past to phone the companies to double check, even if you are sure you would never have taken a PPI policy out - like I was you may be surprised! Quote Link to comment Share on other sites More sharing options...
lebourvellec Posted August 17, 2012 Share Posted August 17, 2012 Well done. Have you been using Martin Money Tips!! I havent checked - but Im sure I never took out any PPI as I always thought it was a con. Quote Link to comment Share on other sites More sharing options...
shellyk666 Posted August 17, 2012 Author Share Posted August 17, 2012 Well done. Have you been using Martin Money Tips!! I havent checked - but Im sure I never took out any PPI as I always thought it was a con. I do subscribed to MoneySavingExpert but it was all so very simple. Literally just 2 phone calls. The people at Lloyds TSB were incredibly helpful. They even went back a lot further than 6 yrs (to 2001 in my case). There is no time limit on a claim, but if it was over 6 years ago the company is not obliged to have kept any info so you may have to prove it yourself (with a policy agreement etc). This wasn't the case with Lloyds TSB though, they were able to search using my name, DOB and current account number and traced a really old loan through that. I didn't even need the policy or loan account number. I'd still check if I were you, I thought exactly the same thing. I would never have taken a PPI policy out had I been given the option, but that's part of the problem - a lot of the time it was just included in the repayment and wasn't explained. I was certainly never given an option. It's got to be worth a phone call! Quote Link to comment Share on other sites More sharing options...
lebourvellec Posted August 17, 2012 Share Posted August 17, 2012 The only loans Ive had are student loans....Thankfully I am in the old system and can defer them. Quote Link to comment Share on other sites More sharing options...
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