Claiming from a card that no longer excists

narabanekeater

Some 12 years ago in my much youth I was silly enough to take out a store/credit card called 'Style' This was run by I believe RBOS.
I have spend quite a lot of time of this board reading claim from years ago against them and I have discovered that Style is no longer in business and haven't been for some years.
From what I can remember I closed the account around 2002 clearing the balance. I'm unsure if I had PPI on the card which i'm sure they called 'Style Care' I also had a lot of £36 bank charges.
A few questions if I may?
After such a length of time am I still able to claim PPI and charges back?
If so how would I start the ball rolling with 'Style' no longer being in business?
How can I get copies of my statements as mine were burnt some years ago?
If you'd like any more information then please ask and many thanks

Nasqueron

The general "rule" on data protection is to delete data when it is no longer useful - with finance it tends to be after 6 years - 12 years ago chances are the data was destroyed, especially if the company is out of business - if your account was closed and paid off before they went out of business then it's unlikely that the records would be transferred to a new owner if they were bought out.

You would start your investigation by approaching whichever store sold you the card and see if they have any records - it's the SALE that is the issue, not the finance provider - however, 12 years ago is 2003 which is 2 years before regulation covered them so they can dismiss your complaint without looking at it.

Sorry to say it but I would let this one go, even if you did have PPI it was pre-regulation and the account charges would not be reclaimable anyway.

narabanekeater

Thanks for your reply. Ive been reading on the web this afternoon. They were in business to the year 2000 and were bought out by RBOS. Theres even old posts on here found using the search button Oh well nothing ventured nothing gained. Thanks again

Nasqueron

narabanekeater wrote: »

Thanks for your reply. Ive been reading on the web this afternoon. They were in business to the year 2000 and were bought out by RBOS. Theres even old posts on here found using the search button Oh well nothing ventured nothing gained. Thanks again

You still need to complain to the store that sold you the card, the finance provider has no liability AT ALL for the sale UNLESS they were the ones who sold you the card - if it was a sales staff member offering you a card in store then the store itself is liable.

As I said, you can try and complain but would need to go to the store first and chances are they will reject it as pre-regulation - after that you can try RBOS who will be likely to reject it as well then after you can try the underwriters if you can find them who may or may not accept responsibility. All of this hinges on whether there is any documentation left - if not then it'll be a non-starter