Fallen at the first hurdle!

tenpin1

I took out a loan with NatWest on 17 Jul 2001 and on looking at Martin's advice re PPI wrote to them requesting a copy of the Credit Agreement. they have just replied saying that they have misfiled the Loan Agreement Form and are unable to locate it. Can I do anything else to see if there is PPI on the loan?

roonaldo

If you dont know you had PPI on the loan, they dont have details and you dont know details then there is nothing you can do.

dunstonh

I took out a loan with NatWest on 17 Jul 2001 and on looking at Martin's advice re PPI wrote to them requesting a copy of the Credit Agreement.

You dont need the agreement.

they have just replied saying that they have misfiled the Loan Agreement Form and are unable to locate it. Can I do anything else to see if there is PPI on the loan?

just ask them.

-taff

If they can't tell you over the phone you have ot send a SAR and £10 - see the front page sticky for a template - but this doesn't guarantee there'll be any paperwork left.

[Deleted User]

tenpin1 wrote: »

Fallen at the first hurdle!

Actually, you've merely stumbled a bit by requesting a Finance Agreement which you don't actually need. If you simply ask the Bank whether you had PPI for this loan they should be able to tell you immediately unless there is no longer any record of this.

As others have said, you can write a Subject Access Request (SAR) letter which, for a £10 fee, should provide you with everything they have on file for you for at least the last six years and (sometimes) more.
Excellent template here;
https://forums.moneysavingexpert.com/discussion/1475553

But do ask the Bank if they can provide the information in the first instance, that won't cost you anything...