We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Black Horse

Options
I put in a SAR request to Black Horse - I looked at my credit report so gave them the last 4 digits of my account number but they sent a letter back saying that they archive everything after 2 years (I thought they had to keep everything for 6 years??)

They suggested I contact my bank to get the account number from a standing order, but I bank online with Smile (part of the Co-Op). I sent my bank a secure message but they could only go back to October 2010 and there was nothing there for Black Horse.

I paid off my loan about 4.5-5 years ago so I know it comes within the 6 year limit...but I don't know where to go from here. I don't have paper statements from my bank as it is all done online, and I don't have my agreement as I had paid off my loan, never imagining I'd need it again (glad to see the back of loans!!)

Where can I go from here please? I want to send a letter to Black Horse saying that keeping records for 2 years only (as confirmed by my follow up call to them to make sure it wasn't a printing error) seems not very customer friendly in this day and age.

Any help gratefully received please.

PS I know it was front loaded as I always ticked the no to PPI box, however on my loan I was told it was a prerequisite and I would not get my loan without paying it and I remember the lump sum on the form.

Comments

  • amersall
    amersall Posts: 17,035 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Go into a branch and ask if they can find you, never heard of this 2 years rule, think they are playing crafty here.
  • jandk
    jandk Posts: 66 Forumite
    Thanks Amersall.

    I'd gone into my branch originally and he said they send everything over to the head office after 3 years, but he would put in a request directly on my behalf...and that's when I received the letter.

    I think they are just delaying, but it's soooo frustrating!!

    Jo x
  • amersall
    amersall Posts: 17,035 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Contact FOS and ask them what you should do.


    A call to these may help.

    https://www.ico.gov.uk/Global/contact_us.aspx
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.8K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.8K Work, Benefits & Business
  • 598.7K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 257.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.