Reclaiming PPI on Hire Purchase agreement from 2006/07

hb134

I had a Black Horse Ltd hire purchase agreement from 2006 which was settled in 2007 and I have requested that they review my account to identified if I paid PPI. I do not have the agreement number and they have stated that if I do not have the number they will not be able to look into this for me as it is more than 3 years old. Is this true? I would have thought they would have to keep some details indefinitely if not for at least 7 years with it being financial records.


Thanks

Nasqueron

It is quite possible they have an internal system with 3 years of records and a longer archive not visible to frontline staff which requires the account number to find it.

Financial data is kept as long as reasonably necessary as per the DPA. 6 years is a common rule of thumb. With the account being closed in 2007 there is a fairly good chance they have deleted it. Your only option is to send a DSAR which will cost you £10 if you don't believe they have any records left.

hb134

Thank you for your advice. Do you know where I would get a DSAR from?

Nasqueron

hb134 wrote: »

Thank you for your advice. Do you know where I would get a DSAR from?

It's just a form, don't worry

See link below for a template, send payment for £10 and get free proof of postage from a post office, don't bother with signed for, businesses often don't bother signing for mail when they get thousands of letters, proof of postage is deemed sufficient in these matters and any letter sent first class is deemed delivered 2 days later

http://www.legalbeagles.info/forums/showthread.php?21788-Subject-Access-Request-Data-Protection-Act-How-to-get-your-information

What you can get back doesn't have to be in human friendly format mind you and you may just get copies of screen prints but hopefully will have the numbers you need