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Control without red tape FCA PPI campaign
When you think you have had a credit or credit instrument but cannot find any documents or explanations, you can call or mail a vendor to ask if you had PPI. If you are contacting your vendor, be prepared to provide information that will help him investigate the items you had and whether you had PPI, such as:
When you call or mail to ask if you had PPI, your ISP will not bill you to check your inquiry. Bankers and other vendors are conscious that clients can use PPI to get in touch with them and should be willing to help. There is a time limit for the suppliers to reply separately from the "request for access" procedure described below.
When your ISP informs you that you had PPI, you still have to make up your mind whether to lodge a claim and then file a claim. Unless your vendor offers a facility to verify if you had PPI, you can ask them for the initial documentation and details of the credit agreement or credit you made.
A £1 discount may be applied if the item or service is still open. If the item or service has been terminated or the contract has been terminated, you can use the supplier's "Request for Topic Access" page. For the most part, applications for thematic coverage can be made free of charge, although you may be billed if you make several applications at once or a very broad one.
You should use this information sheet to provide all the information the supplier has about you and the product you have been using for at least 6 years. Learn how you can then review your records for PPI. Also, you can review your credit report, which contains information about the finance you had.
The Money Advice Service (link is external) has more about how you can review your credit report (link is external).