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PPI – complain before August 29th – even if you have been rejected before!

In 2017, the FCA launched a PPI advertising campaign telling you to make a decision about claiming PPI, because a deadline is being introduced.

You MUST complain before 29th August 2019

That’s only a few months away. You may be busy at the moment, but it’s now really quick to start a PPI complaint, so don’t delay.

You should do this now even if you complained before and your complaint was rejected because the PPI was not mis-sold. There is now a new reason why a new complaint may work.

What exactly is PPI?

PPI is a type of insurance that had many names, such as card protection, payments cover, Accident, Sickness and Unemployment cover (ASU), protected payment premium (PPP), loan repayment insurance or loan care. It’s all PPI!

You may have paid PPI on any of the following types of debts:

  • credit cards, store cards and catalogues;
  • bank loans;
  • car finance or finance on large purchases such as sofa, double glazing etc;
  • mortgages and secured loans.

The “old” reasons to complain

PPI may have been mis-sold even if you wanted it

You may have agreed to the PPI when you took out the loan or credit card, but it still may have been mis-sold if the details and exclusions weren’t explained to you properly. A few examples:

  • most PPI policies had exclusion clauses for prior medical conditions – you should have been asked if you had any;
  • PPI was sold to the self-employed or people who weren’t working who could never have claimed on it;
  • PPI was sold to people who had good sickness and redundancy pay provision from their employer who had no need of it;
  • many policies attached to loans were single premium policies, where the charge was all up front, so you paid interest throughout the ten-year loan say, but it was often not explained that the insurance only covered the first five years;
  • the salesman may have said incorrectly you could only get the loan if you took the PPI, or that the interest rate would be higher if you didn’t.

There is a full check-list of potential mis-selling reasons in the MSE PPI Guide.

These policies were extremely profitable for the lenders because their cost was high and claims on the insurance were often unsuccessful. Because of this, salesmen who knew little or nothing about insurance were often incentivised to push the policies without making proper checks that they were suitable.

You may have had PPI and not realised it

Before 2007 it was common for the Yes I agree to PPI box to be ticked by default if you applied for a credit card online. Or if you were applying in shop for a store card or for finance on a sofa, the sales assistant was often told to tick the PPI box.

So if you have borrowed money in the past it is very possible that you were being charged for PPI that you didn’t realise you had.

Often having this expensive insurance loaded on top of what you borrowed was what turned manageable debt into unaffordable debt.

You can claim PPI mis-selling even if the account is closed or in default

You may have paid off the loan, cancelled the PPI on a credit card when you realised you were being charged it or closed the account. If you have had financial difficulties, you may have a payment arrangement. The account may have been defaulted or sold on to a debt collection agency.

None of these matter. If you were mis-sold the PPI (see above) then you can still go to the original lender and claim it back.

The lender may not exist any more, but you can still make reclaim, either from a bank that took over the accounts bought a portfolio from the lender – for example Barclays bought Egg’s credit card business – or from the Financial Services Compensation Scheme if the lender has gone bust.

A new reason to complain  “Plevin complaints” about “high undisclosed commission”

There is a new type of PPI complaint.

Now you don’t always have to prove that the PPI was mis-sold. Anyone that paid more than 50% commission will now be able to get refund of some of their PPI payments if the account with PPI was in operation after 2008.

These complaints are sometimes called “Plevin complaints” after a court case where Susan Plevin sued Paragon Finance Ltd when she found out that more than 70% of her PPI payments had gone in commission. In 2014, the Supreme Court agreed with her, saying

Any reasonable person in her position who was told that more than two thirds of the premium was going to intermediaries, would be bound to question whether the insurance represented value for money, and whether it was a sensible transaction to enter into. The fact that she was left in ignorance in my opinion made the relationship unfair.

The FCA has decided that if you paid over 50% commission, you can get a refund of the difference between what you paid and 50%.

See one of the comments below this article where a reader reported:

I have had a credit card PPI claim against MBNA rejected in March this year. Today I got my ‘Plevin’ letter and they are paying me around £9k as a result.

Who should make this new sort of complaint?

Of course, you don’t know what commission was paid… but as the typical amount was 67% it is very likely that you paid over 50%. When you put in a complaint, your lender will have to tell you what the amount was.

These Plevin / high undisclosed commission complaints can be made even if you have a had a previous PPI mis-selling complaint rejected.  You can also complain even where you wanted the PPI and could have claimed on it, so there are no other reasons for mis-selling at all.

If you read the comments below this article, you will see that some people are getting good payouts from Plevin complaints. The Ombudsman’s annual review for 2017/18 says that they resolved 118,000 PPI complaints in the last year that were affected by the Plevin decision.

You don’t have to say which sort of complaint you are making

This new type of complaint may seem confusing – how can you decide if you should make a “normal” PPI complaint or a “Plevin” complaint?

The good news is that you don’t have to decide this.

If you put in a normal PPI complaint (see below for how to do this – it’s easy!) and the lender rejects it, the lender then has to decide if you should get a “Plevin” refund, even if you didn’t mention this.

So you now have two chances of getting a PPI refund.

Complain again if you have already been rejected

If you have put in a complaint about PPI mis-selling and had it rejected you should now complain again, because you could be eligible for a Plevin payout.

This is very easy – just send a letter or an email saying something like:

A few years ago (give the date or year if you remember it) you rejected my complaint about PPI. I would like you to look again at my complaint.

Making a PPI complaint is now very simple

MSE has a great PPI complaint guide covering how to do this with template letters to use. You can do this even if you don’t have the paperwork about your loans/credit cards. And even if you don’t know the account number.

In the MSE Guide is a link to the Resolver system. This is a free system that makes complaining even easier as it takes you through the process saying what has to happen at each stage.

Don’t use a claims firm:

  • it’s really quick to put in a complaint yourself using Resolver;
  • Claims Companies write the same standard letters that Resolver uses;
  • there isn’t a secret database that claims companies can use to see where you paid PPI;
  • they don’t have any clever tricks or special words that mean a complaint through them is more likely to succeed or will get you a larger payout.

The Financial Ombudsman’s statistics show that individuals complaining succeed just as often as those using a claims company.

A summary of when it is worth claiming PPI on an old debt

If your debt is very old and repaid it is always worth making a complaint. But there are some more complicated cases to think about:

  1. Debt repaid in full – YES
  2. Debt still owed which you are still paying — PROBABLY, this isn’t statute barred but be aware the refund may be used to repay some of the balance.
  3. Debt still owed which is statute barred – PROBABLY NOT unless refund could be larger than the balance or you want to pay the debt. See this article about one reader’s situation.
  4. Debt that was partially settled – PROBABLY NOT unless the refund would be larger than what was written off. Even though part of the debt was “written off” it still legally exists and the PPI refund may be used to settle it.
  5. Debt taken out before bankruptcy, IVA or DRO – these are complicated, see PPI and Insolvency for details.

For all of the cases 2-5 it’s important you don’t use a claims firm. Otherwise the refund may be used to reduce your debt and you will still owe the claims firm their fees but not have any cash to pay them. So don’t ever use a claims firm for these cases!

Updated April 2019.

More Debt Camel articles:

Don’t use Amigo to try to improve credit rating

Can you reclaim PPI in debt management?

remortgaging when a fixed rate ends

Try to remortgage if you are on a variable rate

Comments

  1. Hi Sara
    Just need to check something
    My hubby and I have had ppi refunds
    Do we have to wait until the end of this financial year to claim the tax back on R40 form.
    Thanks

    Reply

  2. I used the RBS PPI checker online a couple of weeks back; I knew I had a few loans with RBS early in the 2000’s but their response, which came within about 4 days so well done to them on that part, confirmed I had one loan which was then refinanced a further 5 times. by the 6th loan, the PPI on the account was £2.8k according to their update which I estimate to have been about an £18k loan going off todays’ calculations. unfortunately I have no paperwork to confirm that and I’ve had so much credit over the years i’m embarrassed to say I cannot remember all of these!

    but all 6 had PPI added when I didn’t need it. not sure if I actually agreed to it or not but I’ve never knowingly requested it specifically as I worked for the DWP at the time and they provided full sickness and injury packages for full time employees (I worked there for 9 years) so hopefully i’m in with a bit of a shot. and I think I still have a shot at redress from the refinancing if i’m not mistaken, when each of the refinancing loans took place?

    Reply

    • If each time you refinanced you took PPI, then you may get a large payout from this. The largest PPI refund I personally have seen came from a Lloyds loan which had been refinanced several times. Good luck!

      Reply

      • RBS have investigated and awarded £4.6k refund, but I think they have deducted 20% tax off this too (think I can claim some of this back?) cheque due by the end of the month. Happy 2019!!

        once again, thanks to yourself and this website for all the great information and support.

        Reply

          • I recall in FY18 I did the same thing having had a refund for a payday loan, but the HMRC applied it as a Unit Trust and I ended up having my tax band temporarily reduced as they said I hadn’t paid enough tax that year – about £70. my employer confirmed the issue was not their end, but the HMRC never got back to me and I never got a refund at all, from either the tax band change or the payday loan tax paid.
            needless to say i’m a bit reluctant to do this now!

          • You can only not have paid enough tax if the 8% took you over the point where you start to pay higher rate tax. Classifying it as a unit trust is just wrong and you could have complained.

  3. I made a recent enquiry about the Plevin case and was told that as I had previously been had a mis-sold PPI refund for the account, I could not make a Plevin complaint.

    Is this correct?

    Reply

      • Ok thanks Sara.

        I’d like to say a huge thanks to you also for all the information you provide on this site. It’s helped me reclaim several PPI and PayDay Loan refunds over the last few years that have lifted me from absolute rock bottom back to a life worth living :)

        Reply

  4. Just had a response back from Santander for my Plevin complaint on an old mortgage.

    They have stated that to be considered for this complaint, the account must have been opened on or after 06 April 2008, my account closed 31 January 2005.

    Obviously they’ve said I can refer the complaint to FOS, are you aware of this date restriction and do you think there’s any argument for cases outside of it?

    Thanks

    Reply

    • Yes, there are qualifying dates. The FCA (or predecessor regulators) didn’t require commission disclosure. However, the Plevin court case relied on S140a of the consumer credit act that was revised in 2006 (effective 2008 for existing). So, for PPI that ended before 2008, it was not affected by that change.

      So, they are correct to reject your Plevin claim as it falls outside of the required dates. Mortgage PPI also has some other quirks as well which can mean Plevin doesn’t apply. Such as mortgages arranged under MCOB rather than the CCA. Or where the MPPI was bought at a different time to the mortgage.

      Reply

  6. Fantastic article, I have a similar problem. We were in an iva 2006 to 2012 which was completed. We have put in several successful claims for ppi which have mostly been successful. Then the plevin payment scandal came about, Barclaycard paid us out but we have 2 from capital one and one from rbs with the same story. They wrote to us stating they were sending us cheques due to the plevin scandal but then we never heard anything and they decided to reduce the balance from out outstanding debt from the iva using these cheques. The debts were statute barred so we cant be chased for them. I have complained to the FOS but they agree with them (despite Barclaycard paying out) so I am stuck now, does anybody have any suggestions if I could proceed against them in a different way to receive the chqs they promised us??

    Reply

    • No suggestions. Statute barring isn’t actually relevant here – during an IVA the time limit for the Statute of limitations ceases to run as your creditors can’t take action against you. And even if it was relevant, a creditor can still choose to offset a PPI refund against a statute barred debt.

      At the end of the IVA the debt was written off. It sounds as though FOS doesn’t think it’s fair you should get a PPI payout in addition.

      Reply

  7. Hi We had a mortgage from 1992 till June 2008 when we paid it off we applied for ppi as we felt strongly that it was miss sold we were rejected by both the bank Brittania/Co.op and the Ombudsman ,However weve just heard about Plevin and Ive reapplied to maybe get some interest back
    if nothing else ,My question is does the account have to have been opened after april 2008 or can it have been running as mine had for many years before that included 2008 ???

    Reply

  8. Hi Sara Looking for another bit of advice. In 2011 i had a claims company look to see if i had PPI. One that came back was yes car credid (direct auto fnance) for a car loan i took out in 2003. They did not uphold the complaint and the complaint handler told me these cases were hard to win with the ombudsman. Recently DAF wrote to me to say they were holding data on me so I sent a sar. I now have all original documentation for the car loan (Cash price £3902 Loan with all sorts of insurances PPI and interest i paid £8556.96) My question is can I go back now and claim misselling now i have all the information (This company advertised for people who couldnt get credit and i was told this was a condition of the sale) Or should I just now try under the Plevin ruling.
    Thanks
    Kelly

    Reply

  9. Hi Sara

    I have successfully had my PPI complaint upheld with Santander (formerly BHS Store Card). Initially Santander rejected it, so I sent a complaint FOS who upheld.

    Can you advise please? I previously had a loan with GE Capital (First National Tricity Finance) Nov 1999 – I have the agreement Reference number and wrote to Santander with my complaint with as much information as I had. They have responded that they cannot find me. Is this worth going to the FOS with my complaint as I am not 100% sure I had PPI?

    Many thanks for your help.

    Reply

  10. Hello

    Creation has just rejected my PPI complaint even though they admit i paid it. As it is out of the FOS jurisdiction I believe they are rejecting everyone’s. I have been trying to pursue this for 7 years, can anyone advise if i can request a Plevin complaint as they have knot acknowledged this in my Dear John Letter

    Reply

  11. I had 2 loans from yes car credit(direct auto) I paid of 1 loan out right but sent back 1 car I couldn’t a ford at the time, it end up in iva and payed back what I can afford at the time im not in iva no more its finished and got a certificate for a completion can I still apply to ppi still? the loan started in 2004

    Reply

  12. Hi

    Wondering if you could help me. I’ve tried twice with Halifax and both times rejected, is it worth trying again or should I ask about Plevin?

    Reply

  13. We wrote to black horse about 2 products we had with them back in 2004, we were unsure whether we even had PPI. They wrote back to us with the standard form you fill in to explain why you are complaining which we filled in and returned.

    We have received a letter about one of the accounts saying no ppi was found.

    We then received a letter about the other account saying they are still investigating and aim to respond with 8 weeks but as it’s already over 8 weeks we can refer it to the financial ombudsmen.

    My questions are, if they are still investigating does this mean there is a good chance there was PPI? Also, should we wait another 8 weeks before referring it or just do it now?

    Reply

    • “if they are still investigating does this mean there is a good chance there was PPI?” sorry I have no idea.

      “Also, should we wait another 8 weeks before referring it or just do it now?” I suggest waiting, but making a note in your diary and sending the complaint to the ombudsman after 8 weeks if they haven’t replied.

      Reply

  14. Hi
    I recently made a complaint to caipital one regarding PPI miss sold. They rejected the claim but sent me a letter that they are going to pay a redress for Plevin payment. And they have sent me a cheque. Few weeks later I then received another letter saying to ignore the previous letter and now they are going to pay me a redress for miss selling PPI but still waiting for the cheque.
    Was this means I got two separate payments? Im so confused can someone please help me.
    Thanks

    Reply

    • That does sound like they will send you a separate cheque. If you phone them, they should confirm this.

      Reply

  15. Hello,
    I took a loan in September 2005 from HSBC. and with that loan i was also sold PPI. at the time i was desperate for the loan and did not question the ppi. they also made sure i signed a document indicating the insurance was optional. i know in fact i never needed the insurance policy as i had cover through work for critical illness, income protection, life assurance.

    could you advise whether i am still eligible for PPI claim please?

    Reply

    • It is always worth making a claim – even if you don’t get the full amount back, you may be able to get a partial refund if the commission rate on the loan was too high.

      Reply

  16. Hi Sara,
    Looking for some advise as I have recived a very strange letter from shop direct finanvial group.
    it goes on to say thatthat I had made a previous complaint about PPI and they rejected it , but i can cmake another suing a new ruling , and invites me to do it.

    big problem is ,
    I have never made a PPI claim with them or any one else for that matter , since this came I have had a look at a fre crdit report to see that they have made a ” Beneficiary trace enquiry” against both my previous addresses . so dont know what this is all about.

    I had one of thier catalog accounts about 12 years ago, turned out that when i wasnt even living in the UK thay had applied a massive debt on to it (thousands of pounds) and had sent letters, as soon as i got to know i contacted them turned out that it was some item they said was purchsed on the account ( i had nt used the account for years even before i left -tought it was closed),as it was i had already left the country more than a year ago to the date stated and i made it clear i ould categoricaly prove this , after a few months they said they had made a mistake and closed the acccount after removing the said balance.
    is it possible that they are somehow trying to pin this on me again using PPI excuse? seeing as I never claimed any way.

    thanks

    Reply

    • “is it possible that they are somehow trying to pin this on me again using PPI excuse? seeing as I never claimed any way.”

      No. You have received some automated letter. Did you pay PPI on this account before you stopped using it? You could claim now for that. But you may decide you can’t face having arguments about the account agin and just ignore it.

      Reply

      • HI Sara ,
        Thank you for your reply ,
        “Did you pay PPI on this account before you stopped using it? ” – I honestly dont know its been so long it is possible that i did ,but cant be very much as It wasnt very active all i remember is it had a large credit limit-but used sparingly .
        my worry is that it is worded ” you Previously complained to us about our sale of your PPI policy .we rejected it ,in our view it was not mis-sold” and invites me to re-submit my “Complaint” .
        so you can see I never did make a complaint in the first place!!! ,hence my apprehension they did try to pin something on me once that wasnt mine , im worried they are going to again by the wording ” you COmplained previously about PPI” ( meaning i accepted something) .
        thats my worry .
        Thanks

        Reply

        • I can see why this feels odd, but it is probably some form of administrative error. Firms are trying to clean up the PPI mess as fast as possible so a lot of automated letters are being sent. You can call up and deny you ever made a claim and ask them to investigate why you were sent the letter if you feel worried.

          Reply

          • Hi Sara,
            Many thanks for your replies , will try to give them a ring on Monday
            Thanks agaian

    • Just had a letter rejecting claim due to dates (loan was in 2001) but referred to Aviva as their insurance providers. Hope this helps.

      Reply

  18. I have phoned RBS today to chase up my PPI cheque and they informed me it has been passed onto their debt management team. I presume this means I won’t be receiving any money?

    Reply

  19. Hi any advice… I have a ppi complaint in with barclaycard from 2002 and they sent me letter asking more info about employment, medical what remember about it being sold… I cant remember anything so what do I say or tell them?

    Reply

    • Just reply saying that to the best of your recollection around 2002 you were employed at xxxxxxxxxxxxxxxx OR were self-employed OR were living on benefits OR a student whatever. If you had any prior medical problems (mental health, back trouble etc) before that date mention those as they are reasons why PPI may never have paid out.

      Reply

  20. Hi. Has anyone enquired in relation to a Sears card? I had one back in 1998 and when I initially enquired through Creation they couldn’t locate any details. I’ve now found an old receipt with the account number on so have sent them the details but am interested to know how others have gotten on…
    Thanks.

    Reply

  21. Hi Debt Camel

    I had 4 loans in 2003 and 2004 from Central Trust. They were the broker. The PPI we were given as part of the loan was astronomical (£17,000) on the final loan. We tried complaining that the PPI was mis-sold as I was self employed and when it came down to it I could not claim on the policy. We were passed from pillar to post between Central Trust who referred us to the loan providers and the loan providers who referred us to the Insurers who in turn referred us back to the broker. All refused to deal with the matter. We have had a letter today from Central Trust (now called CT Capital) regarding the Previn Ruling. I rang them but we are not eligible for a payout on that basis because of dates (the PPI Policy finished before April 2007). I noted on the letter it said we could not make a claim against CT Capital as they were the Broker and not covered by the FOS back then. BUT … it was Central Trust and not the lender that sold the policy with the PPI attached AND … I do have a letter from them where they state that although the PPI did not cover me fully as I was self employed, it did cover me partially and therefore it was fine. Can I do anything to reclaim some of the vast sums we paid?

    Reply

      • The liability for complaint lies with the firm that sold the PPI. Not the lender or the insurer unless they were also the sellers. There is a small window of liability for pre-regulation cases where the insurer may carry liability in some cases but it is only on around 10% of cases.

        So, loans sold by a broker in 2003 and 2004 mean you get no access to the FOS. The lender and insurer have correctly rejected the complaint as having no liability. That is the expected outcome and the broker wont consider it as it is pre-regulation. That is also the expected outcome.

        Plevin does not apply as the credit agreement ended before the changes to S140A came in. You would pretty much say this one is game over

        Reply

        • That is not my decision to make – I don’t feel it is right to dismiss someone’s complaint on the basis of a comment made here which may be incomplete hence my suggestion to ask FOS to take a look at it.

          Reply

          • I understand that and quite right. However, at least Fiona has the right level of expectation now and knows the reasons why they the companies are refusing (bar the broker who did give incorrect information by trying to pass the buck. They should have just come straight out and said they are not considering it because it is before regulation).

  22. Hi looking for advice please, we complained to mbna for missold ppi which we were told that we didn’t have any on our accounts which we were sure we did, so recently tried again and they have come back to us and said that we had ppi on 2 accounts which they say we have been paid for in 2016, but we received nothing as they told us we had non. They say that as 6 months have passed there is nothing we can do I have checked banks statement back to 2016 and nothing the accounts were close earlier than 2016 is there anything we can do .

    Reply

  23. Hello,
    Has anyone had any success with Creation Finance recently.

    I received a a letter dated April 2019 saying they had been asked by the FCA to revisit the commission claims. They had rejected my claim previously, as did the FOS. I had an Adams Storecard from back in 1993. The letter states that they are already reviewing my claim calculation and I didn’t need to do anything else. They have up to 8 weeks to respond. Unfortunately, the letter doesn’t have a specific date in April although I received it in the first week of April so not sure when the 8 weeks started from. I just wondered if anyone has had a response back, if indeed they received a similar letter. I will post an update if I hear anything, although I am not holding out too much hope. Thank you

    Reply

  24. Hi all,
    A quick question. If I get a refund from barclaycard for mis sold ppi, will they take the refund and use it against the balance or am I entitled to that money? Any information would be appreciated.

    Reply

    • It depends… If you have an active Barclaycard account still, it will normally be used to reduce the balance. If it has been sold to a debt collector sometimes you will get the money, sometimes it will be used to reduce the balance.

      Reply

  25. Hello all, wondered if someone could assist.
    For a number of years I have chased Preferred Mortgages about an old account and they have continually claimed they couldn’t find me on their records. over time Preferred Mortgages became Acenden I believe, who I also contacted to no avail.
    I have recently found some old paperwork with all my account details and PPI was held on the account. however the account was opened on 27.1.2004.
    I’ve read somewhere that before 2005 PPI claims aren’t permitted, is this correct?
    Also, i’m struggling to find out who to contact about this, do I go to FOS, FSCS or direct to Acenden again?
    Any advice much appreciated.

    Reply

    • Hi David,

      I’ve got a stack of claims presently so do hope I can be of some help.
      I’ve also received the response from a lender that they have no trace of my account. If you have paperwork I would recommend scanning it or taking a photo and send a printed copy ( not the original) with a covering letter back to the lender and ask them to investigate further.
      Before 2005 not all lenders were regulated so this may mean you would not have access to the FOS if your claim heads in that direction.

      I highly recommended the above as Santander repeatedly told me I had no policies. After supplying bank statements two PPI policies were all of a sudden located from 1997 and 2003!

      Therefore you can indeed make a claim pre-2005. There are many successes from this time however, there are time limitations and it can be a little harder to prove.

      It’s important to go back to the original lender. So by all means contact Acenden or give them a call.

      Best wishes,

      Jane

      Reply

  26. Hi guys

    I’ve made a number of successful PPI claims and know the drill pretty well. However, I have one outstanding claim to submit before the August deadline which, I fear, is going to be a little more complicated. Hence, here I am seeking your assistance.

    Essentially, it’s like this… way back in 1998 I opened an account with Cofidis, which was taken over by Call-4-Cash in 2000; the latter was a subsidiary of London Scottish Finance, which went out of business in 2008.

    I had an account with Cofidis / Call-4-Cash for six or seven years, during which time I paid a four-figure sum [circa £25 per month] in PPI. Having not become aware this insurance may have been mis-sold until after London Scottish Finance had gone out of business, I attempted to claim from the Financial Services Compensation Scheme only to be advised: ‘It appears from your correspondence that your insurance policy began May 2004. Unfortunately this means that your claim for compensation falls outside of our jurisdiction.’

    Thanks in anticipation
    Jack

    Reply

    • Insurance was not regulated until 14th Jan 2005. Any sale from before that date is not covered by the FSCS as that would be pre-regulation. The date of application is the important date. Not the date the loan was advanced. As yours was May 2004 it was pre-regulation and the FSCS will not cover it.

      Reply

      • Yep you won’t be able to escalate unfortunately. This is only because the FSCS have taken on that company’s dealings. Presume they’ve gone into administration. A win for them on this occasion I’m afraid. I have one from welcome finance for 20k in the same boat. Was gutted!
        But as mentioned above I’ve managed to trace a pre 2005 mortage with PPI so am going back to the lender.

        Reply

        • Hi David

          Thanks for your response but, truth be told, I’m not entirely clear what your point it. I understand why the FSCS couldn’t assist with your Welcome Finance complaint but was there any reason why you could you not have pursued it with the company which provided the insurance cover?

          Would appreciate your thoughts, or for that matter anyone else’s, on this.

          Thanks
          Jack

          Reply

          • Well the FSCS were the point of contact because presumably they closed down, so they were looking after that company’s finances.
            But there is a ruling that means anything pre2005 cannot be looked into. So you can’t go to them and the company is closed so you can’t go to them.
            Let’s let the experts confirm for sure but I think that’s the jist of it.

  27. Thanks for the speedy response. I get that in this instance the Financial Services Compensation Scheme [FSCS] can’t help but was wondering if any other avenues might be open to me.

    In particular, is there any merit in pursuing my compliant with the companies [the insurer changed after a couple of years] which underwrote the payment protection insurance?

    I appreciate this is more complicated as the insurance dates from pre 2005 but am reasonably sure that one of the underwriters, Pinnacle, was a member of GISC and, while I need to investigate this further, would assume that CIGNA must also have been regulated by someone.

    I stand to be corrected, but it’s my understanding that in circumstances such as these, if my complaint is rejected by either, or both, of the underwriters, it would be considered by the Financial Ombudsman Service. Is this correct?

    Reply

  28. Can any one help Santander have written to me recently saying that one of my PPI claims is time barred (over 15 years old) so for this reason they have uphold my compliant. Is this correct?

    Reply

    • Hi Debbie,

      I had a a reply from Santander not upholding my claim for the same reason but, the insurer has upheld the complaint instead. My policy began in 1997. A further policy was added in 2003.
      Call the helpline and query it as the insurer should be potentially able to asses your complaint. I sent a fair bit of supporting evidence with my claim also.

      Good luck!

      Reply

      • Hi Debbie

        This happened to me in January this year so I went to FOS. My complaint went back to 1999 to 2004. They found in my favour and upheld the complaint in February this year My complaint went back to 1999 to 2004.

        Good Luck

        Reply

    • Hi Debbie,

      I had the same but, the insurer did uphold my complaint from 1997, two policies. Give them a call and query it.

      Reply

  29. MBNA – rejected my claim sating that I was outside of a complaints term, they said I only had a certain time to submit a complaint, yet i do not feel they sent the correspondence in the first place inviting me to complain? has anyone else experienced this? Can I re apply or apply for Plevin?
    I definitely had PPI which would have been miss-sold as I did not ask for it.

    Reply

  30. Hi

    In 2012 I submitted a PPI claim regarding Egg Credit Card to Canada Square. The complaint wasn’t upheld due to “the sales process being clear and it was my choice “. Since then I have submitted a complaint regarding Egg loans PPI and this was upheld and reparation provided. I have asked Canada Square to advise the difference between the sales processes as one was upheld and one wasnt. Anybody else experience this ?

    Reply

  31. I just wanted to give an update on my case with Creation Finance for undisclosed commission. I have been at this battle for over 3 years. Eventutally, based on the FCA ruling, Creation had to review my case. I am pleased to report that eventually, I am now to receive just under £11,000 as a refund for an Adams card that I took out in 1995.
    They went over the initial 8 weeks and I had to call every week and log a case with the FOS. AFter 15 weeks I have now received the final response letter. They say I should receive my cheque within 15 days.
    For anyone out there dealing with Creation, please don’t give up. After the 8 weeks, call them and also involve the FOS. Not sure if the delay in their responses is to frustrate people but don’t let that happen. The first letter I wrote to Creation was in 2016 and after 3 rejections, even from the FOS, I am now a couple of weeks from receiving nearly £11K which will be life changing. I will update again when I receive the cheque.
    Good luck to everyone

    Reply

  32. Hello

    I defaulted on my loans and credit cards as I was out of the country.
    Some of these was sold onto debt collection agencies and they never caught up with me for the 6 year limit for the debts to go statue barred.
    These have fallen off my credit report now and I now have a mortgage.

    If i put a claim in for ppi would this cause me problems or would I be entitled to what I repaid in ppi?
    Thanks

    Alfie

    Reply

  33. Hello,

    Last year I contacted MBNA as to whether I had been mis sold PPI on a credit card. I had previously had with them. They replied saying that they had previously written to me about it and not got back to them. I never received the letter. Can I take this any further?

    Regards
    Fiona

    Reply

  35. I had a Boots The Chemist charge card years ago and cannot find who the finance company was. I contacted Boots to inform me who
    they used and they never came back to me. Struggling to find who they used or where i would find the information from.

    Reply

  36. I had a Lloyds account for over twenty years and I recalled having loans with some sort of insurance attached but it was so long ago I had no paperwork – just the current account number. I filled in the lloyds on-line enquiry form and received the following text message on 23 May 2019:

    “Mr …., we’ll send you SMS updates RE your PPI complaint. We’ll never ask you for account info. To opt out text ENDPPI to 61119”

    I was a bit surprised it was referred to as a complaint as I had only filled in the enquiry form to to try and confirm if I had PPI.

    On 13 June I received two further text messages, each quoting a different claim reference number:

    ‘Mr ….., we’ve almost completed our review of your PPI complaint, Ref PPIxxxxxxxx. You’ll receive a response letter soon. Thanks for your patience.”

    I have not received any further communications from Lloyds, either by text, email or letter. Just wondering where I stand on time limits etc. Conscious that I do not want to leave it too long in case Lloyds did write to me and I did not receive the letter.

    Thanks

    Reply

    • You clearly have live PPI complaints in with Lloyds, the FCA deadline should not affect this. The two reference numbers MAY refer to different laons, but I am guessing here. But it may be worth phoning their PPI helpline 0800 151 0292 and asking when you will be getting a reply to your complaint.

      Reply

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