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Mine was with the old Midland
gwin
Posts: 102 Forumite
It was around 1996 when I split with my ex wife. I took on a loan and distinctly remember them telling me I couldn't have the loan if I didn't take the insurance with it.
Being as it was so long ago and with a bank that no longer exists I wondered if there was anything I could do.
Being as it was so long ago and with a bank that no longer exists I wondered if there was anything I could do.
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Comments
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Nope. There won't be any records left anywhere.
Although to make sure you could send a SAR and £10 to HSBC, but that's up to you whether you want to take the chanceNon me fac calcitrare tuum culi0 -
It was around 1996 when I split with my ex wife. I took on a loan and distinctly remember them telling me I couldn't have the loan if I didn't take the insurance with it.
Being as it was so long ago and with a bank that no longer exists I wondered if there was anything I could do.
The Midland Bank plc still exists. It simply changed its name on the 27th September 1999 to HSBC Bank plc.0 -
Antrobus, you think they would honour accounts from way back? Was toying with the idea of one of the mithering claims companies just to save the hassle.0
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Was toying with the idea of one of the mithering claims companies just to save the hassle.
a claims company doesnt have access to your information. So, they can do nothing different from you.
You need to put in your complaint. 1996 is a long time ago and records may not exist but you never know. Your complaint reason is very weak (unprovable allegation). So, you may want to work on that.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
You have the same "hassle" either way.. . . claims companies just to save the hassle.
You can fill the form in and send yourself (any redress is 100% yours)
or
You can fill the almost identical CMC form in and send to the CMC - they post it to the bank for you ( you lose around a third of any redress)
Either way, you still have to provide all the details, The CMCs have no magic wand . . .0 -
Fair points guys, thanks for the input.0
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It was around 1996 when I split with my ex wife. I took on a loan and distinctly remember them telling me I couldn't have the loan if I didn't take the insurance with it.
Being as it was so long ago and with a bank that no longer exists I wondered if there was anything I could do.
You 'distinctly remember' that part of the conversation from 19 years ago? You must have a very good memory.
Or maybe you kept a letter for 19 years and that's jogged your memory?
I distinctly remember me lending you a fiver back in 1996. I've got no evidence, but surely you remember it too?0
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