northen rock ppi

banwen

Hi all I was wondering if somebody can help I've recently applied to several company's to reclaim my ppi and have just received a letter off northen rock saying that they have contacted the insurer of the ppi (cardiff pinnacle) who have done a detailed search and cant find a policy with my name on it. I remember having some paper work from cardiff pinnacle but cant find anything with the name or logo on it. I've spent all morning searching and cant find anything. Is there anything else I can do?

[Deleted User]

If neither you nor the insurer can find any records it's the end of the line for your "complaint".

banwen

i'm afraid it looks that way its just bugging me so much that i have seen some paperwork with the name on it i also remember seeing their logo as well (I've been on their website). Why would they say they haven't heard from me? Are they just hoping that I cant get hold of any papers so they haven't got to pay out? Has anybody else been in my situation how did you resolve it( if you did)?

[Deleted User]

banwen wrote: »

Why would they say they haven't heard from me? Are they just hoping that I cant get hold of any papers so they haven't got to pay out?

You do realise that, even if you found your documentation, there are no guarantees that your complaint would be upheld?
Simply having PPI is not a valid complaint!

Financial institutions typically keep records for six years. I'm assuming your policy is far older than that?

-taff

banwen wrote: »

Why would they say they haven't heard from me? Are they just hoping that I cant get hold of any papers so they haven't got to pay out? Has anybody else been in my situation how did you resolve it( if you did)?

Because they have destroyed the records that they held about you in line with the Data Protection Act.
If you have your own paperwork, they will look at it, but without some sort of proof that you paid it, either from statements, or from initial paperwork, then you don't have proof and neither do they.
Besides, you complain to whoever sold you the policy, so if you had a loan with Northern Rock, you complain to them, not to Cardiff Pinnacle.
If northern rock have no paperwork/data, you can either send a SAR along with £10 to find out what paperwork/data they still have, and possibly waste £10 in the process, or accept that you can't prove you had PPI sold by them to you.

dunstonh

If you used a mortgage broker/adviser then NR wouldnt have any records anyway as the broker/adviser has the records.

[Deleted User]

-taff wrote: »

Besides, you complain to whoever sold you the policy, so if you had a loan with Northern Rock, you complain to them, not to Cardiff Pinnacle.

Not if the original seller was not regulated at the time of the sale, of course.Northern Rock are no longer available to complain to.

banwen

i did find some paper work from my mortgage adviser with referance to payment protection insurance maybe i should take a look at that as the northen rock policy was about 2004/2005 thank you all for your help

dunstonh

banwen wrote: »

i did find some paper work from my mortgage adviser with referance to payment protection insurance maybe i should take a look at that as the northen rock policy was about 2004/2005 thank you all for your help

Insurance didnt become regulated until Jan 2005. So, be clear on your dates.