hi help please

footiemom

well in previous postings i told you all i had ppi with a loan with beneficial bank (HFC) well there was lots if comings and goings with request to my sar but on saturday i got all the info i needed to reclaim HALLELUJAH! :jbut i only got the info on a loan that was paid off in 2008. I did have a previous loan that was cleared in aug 2004. i found the account number for this loan but i have no documentation this loan had ppi on it also. hfc have told me they do not have the information on this as its past 6 years. is there any way of claiming on this account or im i scuppered! any advice greatly appreciated

many thanks

footiemom

di3004

footiemom wrote: »

well in previous postings i told you all i had ppi with a loan with beneficial bank (HFC) well there was lots if comings and goings with request to my sar but on saturday i got all the info i needed to reclaim HALLELUJAH! :jbut i only got the info on a loan that was paid off in 2008. I did have a previous loan that was cleared in aug 2004. i found the account number for this loan but i have no documentation this loan had ppi on it also. hfc have told me they do not have the information on this as its past 6 years. is there any way of claiming on this account or im i scuppered! any advice greatly appreciated

many thanks

footiemom

Put in a reclaim anyway, things can sometimes change when suddenly on complaining they find the info required for the complaint, or they may possibly offer a goodwill offer perhaps.
Good luck.;)

magpiecottage

footiemom wrote: »

I did have a previous loan that was cleared in aug 2004. i found the account number for this loan but i have no documentation this loan had ppi on it also. hfc have told me they do not have the information on this as its past 6 years. is there any way of claiming on this account or im i scuppered!

The onus is on you to prove misselling. That does not mean you have to prove beyond all reasonable doubt only that it is more likely than not.

It also does not mean that you personally have to demonstrate it but there must be sufficient evidence available for whoever investigates the complaint to believe it is more likely than not to have occurred.

As there is no evidence, you cannot even show it is more likely than not that a policy ever existed, let alone that it was misssold.

A complaint could therefore end up dismissed by FOS as frivolous and vexatious.

footiemom

hi thanx for your replies.

on my agreement for the loan that ended in 2008 it shows that i was using money from it to pay off the other loan (the one that i have no documentation about) it states the account number so this would prove that an agreement existed ?? I think beneficial have been fined for their miss selling so i may chance my arm and put a claim for that account also then. on both loans i was told that i would probably be declined if i didnt take the ppi.