It sometimes feels like everyone in Glasgow is drunk.

Old dude sticking to his guns or potential new hipster phase?

Awesome.

Hey, you know all that promotional push last year telling people to put in PPI complaints with your banks?

Fucking do it. I just got paid a refund of almost nine grand for the meagre effort of filling in one online form and answering a few questions on one phone call.

If you have ever had a loan, a mortgage, or a credit card, go to your bank’s website, find the PPI complaint link (there is one, there always is, you just need to hunt a bit) and make an enquiry. It’s the bank’s job to investigate themselves and then tell you whether you have a claim. It’s literally the easiest money I’ve ever earned. If ‘earned’ is the right word.

It’s most likely to work out for you if you’ve had multiple loans over the years, and especially if they’ve been from your main bank. Loans are the most likely financial products to have had PPI applied to them without your knowledge or consent.

The big question is whether your lender made you 100% aware of what insurance they sold you and whether they thoroughly checked that you actually needed it. Spoiler: you almost certainly didn’t need it (especially if you were employed at the time and entitled to things like sick pay) and the bank almost certainly didn’t fulfil their requirements on telling you whether you needed it. Almost every sale of PPI is now being refunded, so all you need to find out is whether anything you took out ever had it applied.

Do it, the deadline is August this year.

I assume I wouldn't have PPI - I opened an account when I was a student and got credit cards and an overdraft back then - but I really ought to check. Thanks for the reminder.

Jesus, I didn't know you could get PPI on overdrafts?!

I might as well look into it...

You could build one of those stealth PCs with shit hot specs but in some crap old, beige 90s case.

If you know who the loan was with its worth approaching the bank directly first. I got 7k (ppi plus interest) from RBS for a few loans, overdraft and CC, no commission to pay and it all it took was speaking to their complaints department, and then completing the very easy form they sent me. I didn't even need to know the details of the loans, they figured it all out and sent me all the paperwork of all the loans so I could check it was legit.

The amount of interest you will be due (I think I claimed min in 2011) will be considerable.

I’m smart enough to have never had a loan or overdraft over the years

wait

fuck

I never had PPI, either.  I'm sad about this now.

Totally getting PPI FOMO right now!

Just to add – all I was owed over years of small sensible loans etc was about four grand, but the compound interest on refunds because they were 10+ years ago more than doubled my take. Small debts in the past could equal big payouts now, like Uncle found. Seriously, everybody should at least fill in an online form with their own main bank. Let the bank do the checking up. What have you got to lose?

i’ll give it a shot, i like free things

Rah I had a letter from HSBC a couple of years back saying, oh yeah you might be owed some PPI buuuuut...and then the letter went on some bullshit tangent about possibly closing account/credit card after the settlement or something. Some backhanded fuckery that sounded like the bank throwing it's toys out of the pram for payback. 

I said fuck it, it's probably not worth the hassle. 

Until I just read this thread and now I've filled in the form and im gonna go find whichever cunt form exists for MBNA. 

While I'm here let me also big up nationwide for non-cuntery as someone else did. This is probably because they remember being a building society rather than a cunt retail bank and the board haven't been or possibly can't be infiltrated with fuckbastards.