Getting in a muddle with PPI :(

[simone9]

Over the last month or so I have started looking into old loans and credit cards to see if I had mis-sold ppi on any of them.

These are all accounts or financial products that I had from about 1999 to about 2006 so pretty old and I had no information about them.

I initially took the advice to use the resolver tool before I really knew what I was doing so might have scuppered myself there but after reading through more information and lurking on here I used the PPI checkers on various bank websites such as Halifax and Canada Square who were able to find my old accounts with them send me the account numbers and some have told me that yes I did have PPI.

The thing is that even though I only checked to see if I had PPI with Canada Sq. on my Egg Loans and Halifax about an old credit card they both now seem to have opened investigations. At this point I haven't been sent any forms to fill in.

Egg initially wrote to me a couple of week ago telling me one loan account number and saying if I wanted to make a complaint I should write to them. I have not yet written to them. However today I received a letter from them with three Loan account numbers (I guess from when I increased the loan amounts) and acknowledging my complaint and telling me they are investigating my complaint and that they will resolve my complaint in eight weeks. I thought I would have to fill out forms to initiate this complaint?

It had been my plan to find out if I had PPI, then send a SAR and then make my complaint but if they have started the complaint already then what can I do, is it still a good idea to send in a SAR to these banks then follow it up with the FOS form making my official complaint? I appreciate that banks I first contacted via Resolver are within their rights to start an investigation but can Egg and Halifax start an investigation without my formally requesting one?

I still have an old store card with Santander I want to chase and another old credit card I have no details for should I start with a SAR for them?

Sorry for the long post I’m just feeling very confused as what to do next!

[dx100uk]

Thats whyvresolver is so useless for doing ppi

Do what you are doing

Yes sar to each bank

[simone9]

Yes I see that resolver is useless now. If the complaint has already started I don't think I have time to get the info back from the SAR before my time is up. Should I just get it anyway and use it when forwarding my complaint to the FOS if it comes to that?

[dx100uk]

there are no time limit