Which company to do a PPI claim?

Triggaaar · Jun 15, 2015

In the last 15 minutes I've had 3 callers offering to make a PPI claim for me. I don't take cold calls, but maybe I should get a company to check if I have a PPI claim.

If I knew I had a good claim to make, maybe I'd fill in some forms myself, but I don't think I've ever had PPI, so I don't want to waste my time. I'm happy for one of these companies to waste their time though, and there's a small chance they might find I've been mis-sold PPI, in which case I get some money - wahoo!

So can anyone recommend a decent company to check a PPI claim for me?

Thanks

Uncle Spielberg · Jun 15, 2015

Triggaaar said:
In the last 15 minutes I've had 3 callers offering to make a PPI claim for me. I don't take cold calls, but maybe I should get a company to check if I have a PPI claim.

If I knew I had a good claim to make, maybe I'd fill in some forms myself, but I don't think I've ever had PPI, so I don't want to waste my time. I'm happy for one of these companies to waste their time though, and there's a small chance they might find I've been mis-sold PPI, in which case I get some money - wahoo!

So can anyone recommend a decent company to check a PPI claim for me?

Thanks

Investigate it yourself, do not give away 30% of any money to these people

The Andy Naylor Fan Club · Jun 15, 2015

Uncle Spielberg said:
Investigate it yourself, do not give away 30% of any money to these people

Indeed. They only do what you can do yourself. You may think a little differently having to give them a grand if you are awarded £3,000!! ( figures used as an example ).

MattBackHome · Jun 15, 2015

Money Saving Expert

gripper stebson · Jun 15, 2015

I spent about 20 minutes on the phone to Natwest and did it myself. It's very simple.The banks have people who just deal with this so don't throw away 30%

Stumpy Tim · Jun 15, 2015

I would never have done it myself, so used Goldsmith Williams. £5k back so far.

Drop me a PM and I'll introduce you

Triggaaar · Jun 15, 2015

Uncle Spielberg said:
Investigate it yourself, do not give away 30% of any money to these people

I explained that the reason I don't want to do it myself is that I don't think I've ever been mis-sold PPI, so I think it will be a waste of time.

gripper stebson said:
I spent about 20 minutes on the phone to Natwest and did it myself. It's very simple.The banks have people who just deal with this so don't throw away 30%

Before you called NW did you think you'd ever had PPI? I don't mind calling my bank if it's simply to ask them to do the work for me.

Stumpy Tim said:
I would never have done it myself, so used Goldsmith Williams. £5k back so far.

Drop me a PM and I'll introduce you

Thanks. Do you know what % they take? Do I need introducing, rather than just calling them?

Stumpy Tim · Jun 15, 2015

30% from memory. If I introduce you and you're successful I make £50. That's obviously very important to you

Fungus · Jun 15, 2015

MattBackHome said:
Money Saving Expert

Here - http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Triggaaar said:
So can anyone recommend a decent company to check a PPI claim for me?

I suspect that's a contradictions in terms.

Stumpy Tim · Jun 15, 2015

In all seriousness, one thing they did do very well is investigate claims that I didn't realise I had. Some old loans I had were actually run by another company & hence I would never have been able to chase it myself. Yes they take a good chunk, but it was money I would never have received

gripper stebson · Jun 15, 2015

Triggaaar said:
Before you called NW did you think you'd ever had PPI? I don't mind calling my bank if it's simply to ask them to do the work for me.

A financial consultant mate of mine asked me if I'd ever had any loans and when I said yes he said I should just ring to see if they had PPI attached. So I rang and a couple of loans from about ten years ago did.

Triggaaar · Jun 15, 2015

Just tried my bank - can't make the enquiry over the phone, need to write in to them.

beorhthelm · Jun 15, 2015

Triggaaar said:
I explained that the reason I don't want to do it myself is that I don't think I've ever been mis-sold PPI, so I think it will be a waste of time.

this is the place to start and finish. change the question to "have i ever had PPI on any loan". if answer is no, forget about it. if answer is dont know, look at the old agreements and statements that will show it. if the answer is yes, apply using standard letter, nothing to loose.

ignore the "mis-sold" question, the banks arent very much bothered in checking beyond if you made the payments. everyone including the banks is working to a default that they were mis-sold.

Rookie · Jun 15, 2015

This is a worrying thread, rather than spend 5 minutes filling a standard form and sending it to which ever bank you would rather risk paying a company x amount of money you could possibly be owed. Even if you don't think you are due anything why take the risk rather than spending a little of your own time?

Bladders · Jun 15, 2015

I cant wait until every person in the land has got back their PPI claims, then all these PPI company's can then **** RIGHT OFF AND STOP PHONING AND EMAILING ME!!!!!!!

Triggaaar · Jun 15, 2015

beorhthelm said:
this is the place to start and finish. change the question to "have i ever had PPI on any loan". if answer is no, forget about it.

I was already working on that question, and the answer is, I don't think I've ever had PPI. Certainly not through choice.

if answer is dont know, look at the old agreements and statements that will show it

Too many old agreements to search for.

Rookie said:
This is a worrying thread, rather than spend 5 minutes filling a standard form and sending it to which ever bank you would rather risk paying a company x amount of money you could possibly be owed. Even if you don't think you are due anything why take the risk rather than spending a little of your own time?

5 minutes

I could spend a few hours and I wouldn't get anywhere.

Prince Monolulu · Jun 15, 2015

I wonder how many punters who 'knocked' the respective lenders are now trying to pursue a claim

Rookie · Jun 15, 2015

Triggaaar said:
I was already working on that question, and the answer is, I don't think I've ever had PPI. Certainly not through choice.

Too many old agreements to search for.

5 minutes I could spend a few hours and I wouldn't get anywhere.

Really, how many loans or bank accounts have you had in recent years. It's the same letter to each with the name/address changed. Hell it's your money and if you happy to risk throwing it away that's your choice.

Triggaaar · Jun 15, 2015

Rookie said:
Really, how many loans or bank accounts have you had in recent years.

Bank accounts - possibly two. Mortgages - lots.

It's the same letter to each with the name/address changed. Hell it's your money and if you happy to risk throwing it away that's your choice.

I appreciate the advice, thanks. The thing is, I don't think there is any money in it, as I'd always opt out of something like PPI if I had the choice. So ordinarily I wouldn't even bother checking.

Postman Pat · Jun 15, 2015

I thought I only had PPI on my current account, I ended up being paid out on 4 claims. You might not know you had it, that's sort of the point!

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