Can i reclaim ppi without paperwork

Go back through all your old loan and mortgage statements and check for any mention of an insurance to cover your payments if you lost your job through accident, sickness or unemployment. Many lenders will now tell you if you call them up to ask whether you had PPI. Was the fact that the insurance was optional made clear to you? Were you even aware you had it? If you had to pay for the PPI as a single payment, did the adviser make it clear that the insurance cost would be added to the loan?

Or that you would be paying interest on it? If the answer to any of these is no — you may well have a claim. The debts are cancelled after your DRO period ends. This usually takes a year. Any refund you get will include things like interest and commission as well as the payments you made. It's best to get help from your nearest Citizens Advice before you complain. If you bought PPI after you became bankrupt, you can keep any refund you get. An IVA is an agreement to deal with your debts.

You make regular payments to an insolvency practitioner while the IVA lasts - usually 5 or 6 years. Your insolvency practitioner will usually complain about the PPI for you. Look at any paperwork you have - like statements, terms and conditions or the original agreement.

Check if they use terms like:. The company should have given you all the facts you needed before you bought it. Skip to navigation Skip to content Skip to footer. Top links Housing benefit.

Top links Template letter to raise a grievance at work. The deadline for submitting a mis-sold PPI claim to your bank or financial provider was agreed by the banks and financial regulator and came into effect at Exceptional circumstances claims will be assessed on a case-by-case basis, so make sure you include as much information as possible when you make your claim. Keep all of your compensation, and send your extraordinary circumstances PPI claim direct to your provider. You can use our template letter to make an exceptional circumstances PPI claim.

If your provider agrees that exceptional circumstances led to you missing the deadline, it will progress your case. If you disagree with the assessment of your provider, you can ask the financial ombudsman service FOS for a second opinion.

Your claim will be assessed by your PPI provider, who has up to eight weeks to resolve your claim from the date you made it. But you could get a refund as early as one week after your initial claim. If your provider takes longer than eight weeks to get back to you or it rejects your claim, you can appeal to the Financial Ombudsman Service for free.

You have up to six months from the date your provider rejects your claim to take your complaint to the FOS. You should receive a response within 40 days.

If you think the amount of compensation is unfair You should check the factors that can affect the amount you get. For example, did you make a claim on the policy, or do you owe the bank money?

You should also check the assumptions the bank has made. If your bank needed to make any assumptions to calculate your offer, it will have been explained in your letter.