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coop bank claim
gman41
Posts: 44 Forumite
Hi
I have put in a ppi claim to the cooperative bank for a credit card i had in 1998.
They claim they only hold records 2002 onwards ...even though i had the credit card number and date the balance was transfered to another card...they wont help anymore!
Is there anything i can do with this claim?
Thanks!:A
I have put in a ppi claim to the cooperative bank for a credit card i had in 1998.
They claim they only hold records 2002 onwards ...even though i had the credit card number and date the balance was transfered to another card...they wont help anymore!
Is there anything i can do with this claim?
Thanks!:A
0
Comments
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If the Bank have no records and you have no documentary records yourself, then the complaint is over before it begins.
If you mistrust the Bank, you can send them a Subject Access Request (SAR) letter which will cost you £10 but should return all information the Bank has kept of file for you.
16 years on, you need far more than the account number and the date the account was transferred.0 -
Ok...thanks for reply...
If anyone who has had a ppi claim successful from the coop bank..Prior to 2002....let me know!0 -
Ok...thanks for reply...
If anyone who has had a ppi claim successful from the coop bank..Prior to 2002....let me know!
There is no point looking at the successes of others, it won't help you if neither you, not the bank have any records showing you paid PPI (thus how would you prove what you paid (if indeed you did) in order to get any money back) and that's before you get into proving it was mis-sold to you.
As Moneyineptitude says - send a £10 payment and data subject access request to the bank if you believe they have records and they'll do some more digging, if they have destroyed the records in line with the Data Protection Act and you have none left there is nothing you can do.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Not very much, though. They only have to put a reasonably competent temp with no specialist knowledge of their systems onto it. If the information you provide is insufficient for such a person to find your personal data they do not have to provide it.send a £10 payment and data subject access request to the bank if you believe they have records and they'll do some more digging, if they have destroyed the records in line with the Data Protection Act and you have none left there is nothing you can do.0 -
I too am looking at reclaiming mis-sold PPI from the Cooperative Bank dating back to 1998.
In fact, you don't need all of the documentation relating to the account. The bank can consider your claim without it, providing you include the relevant information in your claim about why the policy was mis-sold. They will have basic information about your account, including the dates the insurance was active on the account.
Do use the template letters that Martin Lewis provides on this site as they should guide you towards making a claim with the right information in it. Search for 'PPI' on this site and scroll down to the template letters, or you can also use the Resolver tool (though I don't find this to be as detailed).
Before you do that, you can try making a Subject Access Request to request copies of the relevant documentation on your account (e.g. the credit card agreement, a copy of the insurance policy, and confirmation of the relevant date). Call them and ask for a form, or the address of the Subject Access Request team. You'll need to send a £10 cheque or postal order for them to process your request.0 -
AndrewArts wrote: »I too am looking at reclaiming mis-sold PPI from the Cooperative Bank dating back to 1998.
In fact, you don't need all of the documentation relating to the account. The bank can consider your claim without it, providing you include the relevant information in your claim about why the policy was mis-sold. They will have basic information about your account, including the dates the insurance was active on the account.
Do use the template letters that Martin Lewis provides on this site as they should guide you towards making a claim with the right information in it. Search for 'PPI' on this site and scroll down to the template letters, or you can also use the Resolver tool (though I don't find this to be as detailed).
Before you do that, you can try making a Subject Access Request to request copies of the relevant documentation on your account (e.g. the credit card agreement, a copy of the insurance policy, and confirmation of the relevant date). Call them and ask for a form, or the address of the Subject Access Request team. You'll need to send a £10 cheque or postal order for them to process your request.
You might want to check the thread date before taking the time to post. OP complained in 2014.0
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