Northern Rock PPI - no paperwork

hpjes

Hi all,
I have read a lot of the forums and advice pages but would welcome any further thoughts as to whether to continue to look into the case.

In 2002 My wife took out a car loan with Northern Rock. On the phone she was told she had to take out PPI or the loan would not be granted. She accepted. The term was for 3 years. She never claimed for the PPI policy and at the end of the loan, when it was fully paid off, she destroyed the documentation.

Therefore we have no account/agreement number but I contacted NRAM (from a link posted on this website) they told me to contact Cardiff Pinnacle (who according to NR would have been the PPI insurer in 2002) I duly did this today - they have no record of my wife's name or any policy.

Question is then....... Is it worth pursuing this further with say a SAR to Northern Rock direct?

Any advice welcome.

amersall

Because it was pre regulation there is not a lot you can do I am afraid, you have no recourse to go to FOS either, I don't think a Sar would get you anything after 12 years.

hpjes

amersall wrote: »

Because it was pre regulation there is not a lot you can do I am afraid, you have no recourse to go to FOS either, I don't think a Sar would get you anything after 12 years.

Thanks for the swift reply- thought so. Will leave it.

Good forum by the way!!!

amersall

It certainly is
Did NR give you any details on this account and could they find you?.

hpjes

No. They had no records. Outside of the 6 year period.

Onwards and upwards - if nothing else I am now a member of the MSE message boards and will hopefully benefit in other ways!

Best wishes