Figuring out whether PPI was charged by several lenders

[autumn53]

Hi friends,

 

I wish to ask if there is a way of finding out if PPI was charged by lenders that I have not held a bank account with.

 

I am a Barclays customer and have borrowed from MnS and Bank of Scotland and many other lenders in the past. I have a clean credit history and have managed to pay back all the loans. But am unsure if these lenders made me pay a PPI.

 

Thanks

Autumn

[dx100uk]

sar

or by giving their PPI numbers a ring?

 

dx

[autumn53]

Thanks I have a list of some 11 lenders and will send SAR to the major ones and will contact over the phone those who lent me small amounts.

 

I have checked the SAR link here and have a question ...

 

Can I write directly to the PPI Departments of each lender asking for the SAR?

 

Thanks

[dx100uk]

typically the head office

[registered address]

 

dx

[autumn53]

Ok I am back after carefully studying all the correspondence I have been neatly filing away all these years.

 

I have found several Credit Agreements with many of my lenders. Since I am not a pro, I am unable to tell if PPI was charged or not. But here is an image of a part of the Credit Agreement. Their covering letter says

 

"

 

Dear xxxx,

 

....As requested, I enclose settlement details for your Mns Personal Loan ....

 

Current Balance Outstanding : £17 k

Less -

Interest Rebate £ 2.k

Insurance Rebate £0.00

Settlement Figure Required IN FULL £15k

 

 

 

***** THIS QUOTE IS INVALIDATED IF *****

 

- Any payments included in the calculation are returend unpaid.

- Payment of the full ..........

- Your account is covered by Payment Protection Insurance and you make a successful claim after the settlement figure calculation date. (You will no longer receive an insurance rebate in these circumstances.)

 

As a valued customer ........

 

Yours Sincerely

 

xxxx

 

Please have a look at the attachment together with this quoted covering letter from MnS and advise me if I was charged PPI in this agreement. Also please let me know if the attachment is not working.

 

Thanks a bunch

Autumn

[dx100uk]

in that agreement you don't have PPI

the total credit is the same top bottom

 

if PPI IS on an agreement

it will clearly state what it cost

then

the interest it accrues

 

.

 

dx

[Andybars]

Hi,

as DX says this agreement did not have PPI - however the amount borrowed of £15,092.02 seems quite an unusual one - do you know if this is your first loan with this lender or was it used to pay off an earlier loan with this lender (or consolidate other accounts) as these earlier accounts may have had PPI

[dx100uk]

good point

 

dx

[autumn53]

Sorry, I forgot to mention a very important detail that the Credit Agreement in that attachment is from a Marks and Spencer Loan.

 

Yes, you are both right. It appears there was no PPI on these loans. I have three Credit Agreement like documents with me from MnS. We borrowed for two different cars in the same month from MnS hence the odd looking amount. So it started out as a round £12k and then as I added on the second loan it became an amount that is shown in the attachment.

 

I am still unsure what the amount of £275.52 is for as the Insurance Details section clearly says Monthly Customer Installment (Loan + Insurance) and then the two amounts are added up. Please can you clarify for the peace of mind.

 

Thanks

Autumn

[dx100uk]

as it says up top and bottom

 

the final payment of the loan.= £275.52

 

 

dx

[autumn53]

Oops .

Thanks a lot for clearing that.

 

Please whenever you have a moment to spare could you look at my following thread.

 

I have filled the FOS for it and written the covering letter,

almost ready to post.

 

Just need a green signal from the pros like you before I post it.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?414384-American-Express-PPI-(missing-statements)&p=4438400#post4438400

 

Thank you very much for all your help.

Autumn