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Help pls next step fd saying no evidence
disneypls
Posts: 33 Forumite
Hi
I've been told by fd that I had ppi on cc and flexi loan and they sent me copies of agreement but they have no transactional data so have no proof of ins being paid.
Is there anything I can do
Thanks
I've been told by fd that I had ppi on cc and flexi loan and they sent me copies of agreement but they have no transactional data so have no proof of ins being paid.
Is there anything I can do
Thanks
0
Comments
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What dates are u talking about?
My sar arrived from FD today. Only sent it in last week
Statements back to 20050 -
Ladyinwaiting wrote: »What dates are u talking about?
My sar arrived from FD today. Only sent it in last week
Statements back to 2005
They go back to 98 & 99.
I suppose its game over
0 -
I had a successful complaint with FD re loans going back to 1997. But they were a series of consolidated ones up to 2008 so they cd evaluate them
I also asked about a cc taken out in 1997 but was told no records
Sorry but based on what they told me , inclined to agree it game over.0 -
I've been told by fd that I had ppi on cc and flexi loan and they sent me copies of agreement but they have no transactional data so have no proof of ins being paid.
Is there anything I can do
If the firm no longer holds statements showing you actually paid it or not they are required to use any statements you hold as evidence.
If neither you or they hold any records then its game over with credit cards. With loans, they are required to recalculate the amounts as the terms can be easily recreated. That isnt possible with credit cards as they wont know if you cleared your balance that month or how much you borrowed. i.e. if you paid off in full each month then you would never had paid a penny in PPI despite it being an active option on the account.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
The loan was a flexi loan does that make a diff
Thanks0 -
No difference. I had one as well back on 97
Fd are fair and handled my complaints in a fast efficient manner
Sorry to say it but as they have no back data( my sar asked for statements from 97 ono but they cd only provide from 05 ono) they are being truthful and you need to let this one go0
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