Bank loan with Yorkshire Bank 1989.

-taff

Good luck with your complaint grahalex.

jaynemacdonald1979

Thanx sava im gona call them now let u know x

jaynemacdonald1979

Well basically just told me on phone no chance.. Very abrupt mmm got me thinkin now. She says as i have no a count number or info its. Dead end for me. She says anything older than 7yr is a no-go. I said if i send a SAR will i get the info i need?. She says no it will only give me account numbers and loan number. But i wont get any details on it at all. And theres no point me sending a SAR as they have nothing.

I hadnt even given her my name so to be shot down that quick has annoyed me. I thought the SAR would give all paperwork on dealings with me and my account, am I wrong i take it?.

sava05

Write into them, the right people get them, customer service people are only the first line of defence. My loan was in 1999 with the Yorkshire Bank and I written to them with the address on #6 and they said it will take 4 weeks to deal with my complaint. I did not have an account number because I could not remember it.

sava05

I did not SAR them, I just said the reason why I taken out the loan and for how long and the year. Bull s..t about account numbers, that's what exactly what you need, I got my account number eventually and then the PPI department ( supervisor in that department ) looked into it and gave me an offer letter as they agreed to uphold my complaint.

jaynemacdonald1979

Right i think i may just keep this one open. Il draft up a letter and gwt the ball rolling thank u for the advice. Very helpful and good to know im not the only one.

grahalex

I think I will just write in. To borrow £5000 over 5 years and pay back £10000 with interest etc there must have been PPi on there. I payed it off in 1994, but stayed with The Yorkshire Bank for approx another 10 years.

[Deleted User]

grahalex wrote: »

I think I will just write in.

"Writing in" without doing any prior research of your finance is inviting a rejection. What are you going to say? That you don't know if you had PPI, but if you did it must have been mis-sold to you?

Instead of "writing in" based only on your repayment figure, why not ask the Bank directly if yo had PPI? Failing that send them a SAR letter.

grahalex

When I took out the loan I was 28 & paying a mortgage on my own. I did not have a lot of spare cash, so if there was another way of loaning me the money ie without ppi, that would have been better for my circumstances. I really struggled to pay off this loan, but without going into detail, needed it.

Money - what research do you think I should do ?

[Deleted User]

grahalex wrote: »

When I took out the loan I was 28 & paying a mortgage on my own. I did not have a lot of spare cash, so if there was another way of loaning me the money ie without ppi, that would have been better for my circumstances.

Unfortunately, not having "a lot of spare cash" indicates that you had need of the insurance- not the reverse.
For a better idea of what is considered a valid mis-selling complaint, read the MSE advice here;
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

It also advises on what essential research you need to do in advance of complaint.

Go into this fully expecting the Bank to no longer have any records of this decades old finance and you won't be disappointed.
Good luck.