PPI - Justification for claims?

[Blaggs2000]

hi ALL,

Been looking through this forum a little and have some questions on my situation on whether I can claim or not.

 

I have a few things..

1. Natwest CC - with PPI recently cancelled (CC was taken out in 2002)

2. Loan With PPI - Recently paid off in full (taken out in 2007)

3. Virgin Credit Card with PPI - PPI cancelled 12 months ago.

 

The thing is I now realise how stupid I have been having PPI on all these things and it seems clear I was mis-sold. However I am not sure I can claim or not.

 

From memory I do not remember the conversations that were had when taking out the loan/CC`s

To add a twist to the story I now live in Japan - will this impact the claim?

 

I do not have a cheque book to send for my credit history with Natwest so would a letter be sufficient? What would the recommended complaints be? I was thikning of the following;

 

I believe that the policy was mis-sold for the following reason/s:

• I was employed at the time but your staff did not inform me that any change to this could invalidate sections of the policy during its life. I was not asked about any intended changes or informed or warned of their effects on the policy – I have since changed jobs a number of times and at least some of that I know expect would not be within the PPI remit.

• I was not made aware that this PPI was a separate agreement to the loan and that I was within my rights to source this from another company

• Your staff stated or led me to believe that taking out a policy would improve my chances of a successful application for a loan.

• Your staff painted a scenario where I would be reliant on the insurance which would not have been true for me.

• Your staff did not fully explain the policy and its exclusions to me.

 

Is this suitable - despite the fact I can not really remember?

 

Cheers all

[blaggs_2000]

Hi all... been reading so more and I have another question.

 

I know for a fact my NW CC and NW Loan both had ppi. Do I still need to dor the SAR?

 

I am pretty sure I can complain because I had full medical insurance and have never been worried about loosing my job - so there is why I beleive the mis-sold me the PPI.