PPI Claiming
- Thread starter stoofa
- Start date
Soldato
What company should I call to check Capital One credit card and Littlewoods catalogue accounts?
I've been pestering my mate for ages to check his loans and credit cards for PPI, he was adamant he didn't take any out.
I reminded him a couple of months ago that the deadline was approaching and eventually pulled his finger out and filled in all the forms.
He sent me a photo of his cheque that arrived on Monday for....£22k !
I reminded him a couple of months ago that the deadline was approaching and eventually pulled his finger out and filled in all the forms.
He sent me a photo of his cheque that arrived on Monday for....£22k !
Stupid question no doubt.
The oNly loan, overdraft I’ve ever had is a mortgage which I made a PPI check on last week. PPI would only have been incurred if I had a loan or went overdrawn would it not?
I have a credit card and have used catalogs but have always paid them in full straight away. Never incurring interest or charges. I’d guess due to all of this PPI checking bearing the mortgage is a waste of time?
The oNly loan, overdraft I’ve ever had is a mortgage which I made a PPI check on last week. PPI would only have been incurred if I had a loan or went overdrawn would it not?
I have a credit card and have used catalogs but have always paid them in full straight away. Never incurring interest or charges. I’d guess due to all of this PPI checking bearing the mortgage is a waste of time?
Soldato
Whilst i'm not an expert, isn't PPI the insurance you pay to protect yourself from being unable to pay.
So just because you never went overdrawn or paid interest doesn't mean you may not have been paying PPI
Whether you used it or not, its cost would have been factored into the repayments (assuming you had it obviously).
Unless you have the original paperwork to check for PPI inclusion, start the ball rolling now - you have nothing to lose.
Associate
I received a letter regarding a PPI claim I submitted via Which ... came back with my fathers name and presumably his PPI reference number, and last digits of his card number, stating the address doesn’t match what they have on record .... 
Soldato
You've got nothing to lose.
I filled in the forms on two companies websites, took a few minutes, no idea if I ever had it.
I'll either get something or I won't - nothing to lose.
Soldato
I ended up calling Gladstone's and put a claim in to Lloyds bank, Capital One, Toys 'R' Us (or should that be Toys 'Were' Us), Littlewoods and Very.
Lloyds bank to was for a loan I had in 1994, and Toys 'R' Us was for a PS1! Was tricky remembering 5 different postcodes and all the moving in and out dates, but I got there in the end.
Lloyds bank to was for a loan I had in 1994, and Toys 'R' Us was for a PS1! Was tricky remembering 5 different postcodes and all the moving in and out dates, but I got there in the end.
Soldato
Not sure why they'd need the moving in/out dates, it's totally irrelevant. Toys R Us were underwritten by Santander (as were a lot of high street stores) and they hide behind the '15 year' rule on cards. They're the only bank (from my experience working for a CMC) that use this rule in an attempt to not pay out.
Soldato
I presume they wanted dates to help verify the accounts as they are long since closed. I had to give 5 different addresses. Thinking about it now, there's another address I lived in for 6 months, but it shouldn't matter as I didn't have any finance at that time.
The only money I expect I might get will be through Capital One, but I gave details for every bit of finance I've ever had just incase.
Not sure what to recommend to a relative now that the deadline is so close, he's had quite a few loans and credit cards over the years with PPI and being self employed may have a case for claiming.
As he's unlikely to find all the account details is he better off going with a company who might take cut or just sending a check if I had a PPI claim with the providers rather than sending a claim with no real info?
Btw Natwest has gone down so looks like the PPI rush has started
As he's unlikely to find all the account details is he better off going with a company who might take cut or just sending a check if I had a PPI claim with the providers rather than sending a claim with no real info?
Btw Natwest has gone down so looks like the PPI rush has started
Soldato
Gladstone Brookes = utter *****! Called to ask why I haven't been sent a confirmation email and they have no record of me calling.
Soldato
Check the terms of the first company you used, they usually have hefty clauses where they will charge you big time if they find out you are making a claim elsewhere and they lose out claiming the PPI for you as a result.
Anyone used claimhunters? Left it late as never thought I'd had PPI with anyone other than an old Halifax account which I went through Halifax to check. Thought it might be worth trying a third party to check everything just in case though and it seems a lot have stopped accepting new claims.
The Which PPI checker is free so no worries there, I've still heard nothing back so just going to do a claim direct with Natwest now that the site is online again.
My relative has narrowed it down to a few banks that he knows about so think I'll tell him to just do the PPI Check request directly with them as it seems they are treating any checks that come back positive as a claim so will still beat the deadline. He doesn't know all the account numbers or start dates so I don't think just sending a claim now with so little info will do much.