How Do I Know If I Had PPI?
To find out if you have had PPI attached to any of your finances you can do the following:
- Check Your Finances– Review all of your loans and financial agreements you have taken out before and up until around mid 2009 to see if PPI was included as part of any of the agreements. Remember that PPI may not be listed as PPI but could be called something such as Loan Protector or Payment Protection Plan.
The products you should check for PPI include:
Personal loans, Credit cards, Business Loans, Business Credit Cards, Mortgages, Secured loans, Dealership car finance, Overdraft (occasionally), and many more…..
If you can not find your old agreements you could try contacting the lender or broker who arranged your finance or credit for you. They only have to keep your records for 6 years after you last used the account.
If it is more than 6 years since your account closed then the institution that sold the policy to you is no longer required to keep any paperwork. You are still perfectly entitled to make a claim, but you will have to provide any and all evidence on your own to claim.
If the above proves difficult you could check your credit report. The UK has 3 main credit agencies that will list any credit and debt that you have had within the last 6 years. The 3 agencies are called Equifax, Experian, and Call Credit. You can either get a free trial or you can see your credit file for a one-off £2 fee.
If the above is too time consuming for you or seems a little difficult and you can’t be bothered with all the hassle, you could use our Free PPI Check service and let us do all the work for you.
Use Our Free PPI Check Service!