PPI claim partially upheld October 2013

Sixfoot8

Hi guys, need some advice.

I filled out the relevant paperwork and sent it off. The bank replied (eventually) and stated that my claim was partially upheld. I basically had to provide some further info (which I did) and wait. I have since contacted the bank on three occasions by phone, and on each occasion I have been informed that the claim is 'processing' and that there is nothing I can do.

Now, there are some complications. I was in a Protected Trust Deed which has since finished. I was discharged over 3 years ago. I presume the delay is because of this? But it has been 5 months since my claim was submitted. I am none the wiser as to how much they owe me or when/if it will happen. They are exceptionally cagey about the whole thing.

Any advice greatly appreciated.

Phil

-taff

They have 8 weeks to investigate your complaint. If they fail to do this, you can go to the FOS with your complaint.
Or phone/write tell them if there is no answr within 2 weeks, you'll be forwarding your ocmplaint to the FOS.

Sixfoot8

Cheers taff. I shall write to them and see what happens.

GunWharf

Sixfoot8 def follow what -taff has said, I had a similar " run around" and threatened them with a the letter, 14 days later payment in the post

Sixfoot8

Thanks again for the help.

To be honest, I hate dealing with banks and their staff. I've made three phone calls to the team dealing with my complaint and they've all pretty much said the same. But it's no help to me at all. Anyway, I have just written a letter. Polite but firm, stating that if I do not hear anything in 3 weeks I will be taking this further.

Just have to keep my fingers crossed now.

badger277

Hi everyone, I'm new to this & not sure where to post, so forgive me if I get this wrong. I know I have had PPI mis-sold in the past, but it was over 10 years ago. I don't have any paperwork & when I joined Experian, they only showed me info for last 3 years. I don't know how to access my old credit info. so I can write to the relevant companies from then. Does anyone know how I do this/what am I doing wrong? I am very nervous about getting this all wrong & tempted to just contact one of those comapanies on the tv, but we need every penny of any possible refund. I just don't understand all the information for self-claiming. I know I must be thick but it seems so complicated when I can't even work out how to access my historic records! I have registered with a new site - Noddle- but again don't know how to access old information. Any help VERY gratefully received. Sorry if I'm being thick.:(:embarasse

Nasqueron

badger277 - claims companies tell all sorts of lies but one thing that you must understand is that they cannot magic into place records or bank details, there is no central "database" of old financial records, you are relying on your own memory or old paperwork (they then send your complaint in for you - they don't do anything else).

Do you have proof (e.g. your own records) showing you paid PPI?
How long ago was the most recent closed account?

You may have to just ring up your old providers (based on memory) and ask them if they have any record of you - and send in an SAR plus £10 payment for every organisation if you want copies of any data they have left - though over 6 years and you are less likely to have anything left as they start to delete them after that

McKneff

How do you KNOW it was miss sold, you seem pretty sure even after 10 years.


You would also have to show back up to prove this.

badger277

Hi McKneff, thanks for your reply. I know they were miss-sold as my husband was barely earning at the time & had been told they were necessary, as soon as I realised, I cancelled as we had cover through my work (I worked in insurance). I remember being very cross at the time that he'd been paying for something he didn't need nor could afford, I just can't remember who they were with (I think one was his bank, Midland, but no more than that).
Again, any more advice from anyone about how to access historic credit records, gratefully received. I would feel better having checked into this than thinking I let it go.

Nasqueron

badger277 -

As I said above, there is no "database" of records, any recent (up to 6 years old) loans/CC etc are shown on your credit record (you can check Noddle for free or pay the £2 for a report from Experian/Equifax) - beyond that it is purely down to your memory.

If you do remember the firm, ring them up, see if they have any records still visible to frontline staff. If not you will have to risk a tenner for a SAR to get them to send everything they have on record that can reasonably be found - bear in mind that if they do have anything, it'll probably just be transaction records, you are unlikely to get any proof of miss-selling.

If you have no records and they have no records then the complaint is over as you would not be able to prove you paid anything

[Deleted User]

badger277 wrote: »

I think one was his bank, Midland,

If this was definitely Midland, then it's at least fifteen years ago because Midland became HSBC in 1999.

badger277 wrote: »

any more advice from anyone about how to access historic credit records

You could send a Subject Access Request (SAR) letter to HSBC and other likely lenders, but this costs £10 a time so could prove expensive if you send them speculatively without knowing for sure there was an account.

Do note, as others have said, the Data Protection Act requires records to be kept only as long as they might reasonably needed. In practice, this means only six years.