Help - Do I need my mortgage number to claim?

Annalise0

Im a new member so apologies for learning format etc.
I had a mortgage plus enforced PPI for 30 years with the Halifax.
Ive repaid this 15 years ago and I can remember some but not all of the account number. The Halifax keep closing my claim because I cant give the full number. Ive told them the exact dates of mortgage, address and my personal details date of birth etc.

I paid by direct debit for 30 years but my bank cant trace back more than six years. But say the Halifax can because I paid by DD.

Can any one help - any suggestions how can I find the number?
Are the Halifax able to trace me without my mortgage number?

Help needed - thanks

-taff

Send a SAR and £10 to them to see if they still have it. After 15 years though and a closed account, it's not likely.

dunstonh

I had a mortgage plus enforced PPI for 30 years with the Halifax.

MPPI barely existed 30 years ago. Typically, in the 80s, the only insurance the lenders insisted on was house insurance and life assurance. Are you sure it was ASU that had?

Ive repaid this 15 years ago and I can remember some but not all of the account number. The Halifax keep closing my claim because I cant give the full number. Ive told them the exact dates of mortgage, address and my personal details date of birth etc.

They probably have few records left from that era and the insurance may well have been standalone and not part of the mortgage.

I paid by direct debit for 30 years but my bank cant trace back more than six years. But say the Halifax can because I paid by DD.

Did you pay the insurance by direct debit or the mortgage? Again, in the 80s, a mortgage was not commonly paid by direct debit. Typically it was either an internal payment if you used the same bank or a standing order. They moved people to direct debits in the 90s. Insurance though was frequently direct debit.

Can any one help - any suggestions how can I find the number?
Are the Halifax able to trace me without my mortgage number?

Most mortgage PPI complaints are rejected (by lender and FOS). Are you even sure you had PPI (and not say life assurance) as your dates would put you potentially before it was available or just becoming available?

You could be putting in a lot of effort, incurring cost (if you do a SAR) to complain about a product you didnt have or have very little chance of success with on a complaint.

Annalise0

Thanks everyone for the helpful advice.

magpiecottage

dunstonh wrote: »

MPPI barely existed 30 years ago.

It also predates the launch of the Building Societies Ombudsman scheme so FOS would seem to have no jurisdiction.

in the 80s, a mortgage was not commonly paid by direct debit. Typically it was either an internal payment if you used the same bank or a standing order. They moved people to direct debits in the 90s.

Halifax was a building society until the mid 1990s. Prior to 1986, building societies could not operate current accounts and so it would not have been practicable to make an internal payment.

So I agree - no realistic prospect of success.

Peter_T

Save yourself the £10, and go into your local branch and ask them to look up your old account number, take some ID and you should be fine. They will be able to look it up for you, don't take no for an answer as they have it on an older system.

Good luck.

magpiecottage

And you know this because .....?

safestored4

In your opening post you say that you had a mortgage for 30 years which you repaid 15 years ago. If this is correct then the mortgage was taken out in 1968 which predates the iintroduction of PPI. Are you sure that you are not confusing this with life insurance?