PPI failure

hirobmay

Help!!!
I had to call HSBC to chase up my claim on a loan from 2003/4 who told me it had been rejected, and issued a letter dated 2nd June stating this. I told them I never received a letter so they sent a copy. It reads...

Having searched the HSBC records, I cannot find any evidence of that PPI was attached to the above product.
Due to the data protection act, HSBC cannot keep records indefinatley therefore if your PPI commenced over 6 years ago, any records may have been destroyed.
To enable me to proceed further I would be greatful if you could provide me documentation confirming the protection held and accompanying > bank > credit card statements confirming the payments made.....blah blah...

I provided them with a loan account number, but they have no record, so I have to prove I had payment protection, rather they having to prove I did not.....

Any Advice what to do not? Niether I or the bank can prove if I had it or not. So close to contacting a PPI claim back company if I have nowhere to go. I believe it was sold as a condition of the loan but I have mpo evidence.
Thanks..
Rob.

Stupid_Question

hirobmay wrote: »

Help!!!
I had to call HSBC to chase up my claim on a loan from 2003/4 who told me it had been rejected, and issued a letter dated 2nd June stating this. I told them I never received a letter so they sent a copy. It reads...

Having searched the HSBC records, I cannot find any evidence of that PPI was attached to the above product.
Due to the data protection act, HSBC cannot keep records indefinatley therefore if your PPI commenced over 6 years ago, any records may have been destroyed.
To enable me to proceed further I would be greatful if you could provide me documentation confirming the protection held and accompanying > bank > credit card statements confirming the payments made.....blah blah...

I provided them with a loan account number, but they have no record, so I have to prove I had payment protection, rather they having to prove I did not.....

Any Advice what to do not? Niether I or the bank can prove if I had it or not. So close to contacting a PPI claim back company if I have nowhere to go. I believe it was sold as a condition of the loan but I have mpo evidence.
Thanks..
Rob.

If you have no proof and neither do they then they have nothing to investigate.

A CMC can't help you, you can only complain once.

It might be worth submitting a SAR and seeing what that turns up.

hirobmay

Thanks but whats a SAR?

[Deleted User]

hirobmay wrote: »

Thanks but whats a SAR?

A Subject Access Request (SAR) letter costs £10 and should net you all details the Bank has kep on file for you for at least six years and (sometimes) more
Excellent template here:
https://forums.moneysavingexpert.com/discussion/1475553

-taff

Your complaint is over. There is no evidence left.

hirobmay

-taff wrote: »

Your complaint is over. There is no evidence left.

Would you even say the SAR is a lost cause?

[Deleted User]

hirobmay wrote: »

Would you even say the SAR is a lost cause?

It will only take you back about six years...

safestored4

Nobody knows. The bank may, or may not, turn up something in response to the SAR. You pays your money and takes your chance, or you just get over it and accept that you aren't going to get any free money and move on.

hirobmay

Moneyineptitude wrote: »

It will only take you back about six years...

Thanks, When I read stories of PPI claims going back over 6 years, do all of these require customer evidence of the loan?

[Deleted User]

hirobmay wrote: »

Thanks, When I read stories of PPI claims going back over 6 years, do all of these require customer evidence of the loan?

Yes, the most successful ones invariably involve the complainant having comprehensive documentary evidence from their own archive.

-taff

Hmmm...I'm thinking that thanks to the PPI debacle, companies are now actually destroying their records.

Still, £10 for peace of mind is....um.....worth it or not?