ppi help please

baby_gator

hi there
this is my first time here, i am banging my head against a brick wall with lloyds ..... i joined up in the navy in 1987 opened lloyds account was with them about 5-6 years had credit cards, loans i have no paperwork other then approx joining date.sort code i have written to them twice now putting all my addresses but they cannot find any record of me ?? any help would be appreciated i know i took ppi because i was young and silly lol

misschicken

The banks don't have to keep documents after a certain period of time, 6 or 7 years is usual, so if these accounts are closed then they may simply have no records at all. You can send them an SAR and £10 to be absolutely sure of what they have, here's the link.......

https://forums.moneysavingexpert.com/discussion/1475553

[Deleted User]

baby_gator wrote: »

in 1987 opened lloyds account was with them about 5-6 years had credit cards

If you closed this account circa 1993, then it isn't surprising that the Bank can no longer find any trace of you. The only way you could even hope to successfully complain about PPI from so long ago would be if you had comprehensive documentation from your own archive to support your concerns.

As it is, you can certainly gamble £10 on a SAR if you don't believe what Lloyds have apparently told you twice already. However, I'll be very surprised if you receive back anything of use two decades after the account was closed.

addedvaluebob

Don't believe Lloyds and go for the SAR and complaint based on your recollection of events. Lloyds record keeping and attention to detail is awful. Also their idea of fair is somewhat skewed.

magpiecottage

addedvaluebob wrote: »

Don't believe Lloyds and go for the SAR and complaint based on your recollection of events. Lloyds record keeping and attention to detail is awful. Also their idea of fair is somewhat skewed.

They may have the information held somewhere but it must be in what is known as a "relevant filing system". That means a filing system that a reasonably competent temp, with no specialist knowledge of their systems, could find based on the information you provide.

The firm I worked for in 1993 has merged and changed its systems at least twice since then. When that happens, "dead" data is not usually migrated - particularly if it is from some years before.

The archives may remain somewhere. If went back in, perhaps I could interrogate them and find a particular person's data - but no temp would even know where to begin. Nor, for that matter, is it likely that any current permanent employee would.