Lloyds TSB no longer hold records

theasleep1

Hi,
i recently received a letter from lloyds regarding my PPI reclaim application. I am claiming on an over draft which ran from 1997-2005, they have made me an offer on payments between 2001-2005. they have stated that the period 1997-2001 they no longer hold records for and they require proof from me that my PPI was active during this period. They have offered me £1250 for the 01-05 and £4 for the 97-01..

Although they claim not to have records prior to 2001 they have however confirmed that the PPI commenced in July 1997..

Is there any way of obtaining the required statements for the 97-01 period if i cant find my own copies..

Any help on this matter would be greatly received!

-taff

The only way to see what's left [ and there probably is none if they are saying they have no records] is to send them a SAR and £10 - see the front page sticky for a template.

dunstonh

Although they claim not to have records prior to 2001 they have however confirmed that the PPI commenced in July 1997..

The account coding on a product would allow them to see dates. Just not the amounts paid.

Is there any way of obtaining the required statements for the 97-01 period if i cant find my own copies..

Only two have copies. You and them. If both have destroyed copies then thats it. If you dont believe them, then do as taff says and complete a DSAR.

B4ndit74

All banking records for Lloyds Tsb are held at a place called Iron Mountain, for up to 20 yrs, so they do have access to your banking history.

dunstonh

B4ndit74 wrote: »

All banking records for Lloyds Tsb are held at a place called Iron Mountain, for up to 20 yrs, so they do have access to your banking history.

How about non-banking records such as PPI policy details?

DevCoder

Also a bank can put a limit on how far back they go when searching archived records under a SAR. This includes electronic archiving solutions such as Iron Mountain.

sun73

Is this your current account? If so, try phoning or writing to your local branch and request bank statements from that period which you may have to pay for (approximately. £5 each).
I discovered that my bank had current statements going back 20 years available to order from microfiche records in their "back office" department, which showed the ppi. Of course, not all banks will retain statements this long, however it's still worth a try.

JuicyJesus

krisdorey wrote: »

Also a bank can put a limit on how far back they go when searching archived records under a SAR. This includes electronic archiving solutions such as Iron Mountain.

Not to mention Iron Mountain isn't electronic in the slightest, it's a document storage service that holds boxes of paper often corresponding to multiple customers and time periods which have to be individually requested if a bit of paper that might be in one of them is in one of them according to records that may or may not be wrong. One of the tests for whether a document is eligible for an SAR is whether a competent temp with no prior knowledge of the company's document system could find it, which that would clearly not be.