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Bank cant find my Loan

John_Paul_Reilly
John_Paul_Reilly Posts: 3 Newbie
in Reclaim PPI & other insurance
Hi
I sent a copy of my bank statement to my bank to show my loan being paid in to my account and my payments for the loan leaving my account..... they have came back and said They need the loan account number but this is not on my statement. How do I go about claiming back my PPI with out any account number for the loan.

Also dose this mean they need to give me back every payment I made to them for the loan as they have no record of it

Thanks

John Paul

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,383 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    John_Paul_Reilly wrote: »
    Hi

    Also dose this mean they need to give me back every payment I made to them for the loan as they have no record of it

    No. .
  • dunstonh
    dunstonh Posts: 121,290 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Also dose this mean they need to give me back every payment I made to them for the loan as they have no record of it

    That is so funny. Surely not a serious question but I thank you for making me laugh.

    Data protection act requires the destruction of information that is no longer required. Typically, that means 6 years after the closure/repayment but can vary.
    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.
  • sun73
    sun73 Posts: 498 Forumite
    Part of the Furniture 100 Posts
    Was this loan with your own bank or another lender?
  • John_Paul_Reilly
    John_Paul_Reilly Posts: 3 Newbie
    with my own bank but have now closed the account with them
  • sun73
    sun73 Posts: 498 Forumite
    Part of the Furniture 100 Posts
    edited 14 July 2015 at 3:58PM
    When did you repay the loan and when did you close the bank account?
    Can I ask which bank it was
  • John_Paul_Reilly
    John_Paul_Reilly Posts: 3 Newbie
    its was with Halifax and I closed the account a few years after the loan was paid in full
  • MoneyMission2015
    MoneyMission2015 Posts: 624 Forumite
    Send them a Subject Access Request (I think that's what they're called). You will probably have to pay £10 for it so send a cheque along with the letter & then they have to send you all information they hold on you. If they still have the records then this information will be sent.


    I believe there is a template letter somewhere on this site.


    You might find that if it was over 7 years ago they may not have the records because they are only required to keep it for this period of time. This doesn't mean they have to pay you back all the money you paid them though otherwise everybody who paid a loan back over 7 years ago would be on to a winner!
  • dunstonh
    dunstonh Posts: 121,290 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    John_Paul_Reilly wrote: »
    its was with Halifax and I closed the account a few years after the loan was paid in full

    But how long ago?
    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.
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