Thousands of our clients originally tried to handle their PPI claims themselves but were constantly stumped by what the bank would call due diligence with their claims process. Now were are seeing that banks are constantly putting barriers infront of all the PPI claims that we process.
From informing us that a written letter of authority was not received, informing us that without the right account number quoted they cannot start any claims on their behalf.
This is normal practice from the banks as they do not want to pay out on the PPI claims at all and we have seen this. That is why the likes of Barclays PLC and LLoyds TSB Plc are most complained about when it comes to claiming PPI against them.
Thousands of our customers do not have the time or the inclination to take on the banks and it is never as easy as they make out on the free template forums, banks wont just simply payout because you say that you were mis sold, we have to prove that you were mis sold beyond any doubt at all. Otherwise the banks and other creditors simply reject the claims all together and you are stuck with only one option to take it to the Financial Ombudsman, which can take up to 2 years to finish.
Therefore getting details as simple as your old address that you were at when you took out the PPI policies is paramount to ensuring that your claim is handled within the 8 week time frame, otherwise banks will pick up on this and not settle the claim at all.