Yorkshire Bank

chelzz

I had a car loan in 1986 with Yorkshire bank with PPI (I don't have any details) I have wrote to YB they said they have no records so cant help me - is there any way of finding out my old account/loan details thanks

[Deleted User]

If you don't have the details, and they don't have the details, then no.

28 years is a little long to expect them to keep files on you.

Insider101

chelzz wrote: »

I had a car loan in 1986 with Yorkshire bank with PPI (I don't have any details) I have wrote to YB they said they have no records so cant help me - is there any way of finding out my old account/loan details thanks

Are you sure? PPI was a late 80s invention. I'm not even sure it was around in 1986.

Regardless, if neither you nor they have any record then there's nowhere to go really.

sun73

chelzz wrote: »

I had a car loan in 1986 with Yorkshire bank with PPI (I don't have any details) I have wrote to YB they said they have no records so cant help me - is there any way of finding out my old account/loan details thanks

Do you have a current account with Yorkshire Bank? If so, there's a good chance that you'll be able to request bank statements going back many years using a SAR and asking for transaction histories. I've received all of mine from 1984 and they showed PPI charges on a loan from 1986 which has since, been refunded.


Unfortunately, if the account has been closed for more than six years all information relating to the loan will be deleted/destroyed.


What you need to find is evidence that a ppi policy existed and proof of payment, plus reasons why it was mis-sold e.g. single upfront premium for loans.

magpiecottage

Insider101 wrote: »

Are you sure? PPI was a late 80s invention. I'm not even sure it was around in 1986.

Regardless, if neither you nor they have any record then there's nowhere to go really.

There was also only a banking ombudsman scheme toward the end of 1986 and I am not sure when Yorkshire Bank joined it.

If the sale of any PPI predates membership of the scheme FOS will have no jurisdiction.

[Deleted User]

Duplicate thread here;
https://forums.moneysavingexpert.com/discussion/comment/66772615#Comment_66772615