Reclaim PPI - but virtually no info

adc_2

My mum has tried to reclaim PPI she was mis sold, without much progress. These are the details:

- She took out a personal loan for home improvement
- Some time between 1987 - 1995
- She believes she was mis-sold PPI
- She was an NHS employee at the time (so had sick pay, death in service, etc)
- Wasn't given the option to opt out of PPI

Now the tricky bit, she has:

- No original docs
- No record of the loan agreement no
- No bank statements going that far back

She just knows she took the loan out some time between 1987-1995 and it had PPI which she thinks she was mis-sold and that the lender was Black Horse.

She's filled in their generic PPI questionairre and got this response (key points) from them:

- They searched their system (using her general contact / address details) & couldn't find any records
- They've asked for a valid loan agreement number (she doesn't know this) so they can locate the records
- They said once they have the valid agreement number, they can investigate further, but if she can't provide it, then there is nothing they can do.

Is there anyone that can help?! How do we progress this further with so little information?!

[Deleted User]

adc wrote: »

How do we progress this further with so little information?!

The simple answer is that you can't.

You can send a Subject Access Request (SAR) letter which will net you all details they have kept on file for you. The £10 cost is unlikely to be worth it, though, as the Bank have already told you that they have searched their records.

All I will add is that having an eight year window with regard to when the alleged loan may have been taken out suggests some wishful thinking on the part of your Mother.

dunstonh

She just knows she took the loan out some time between 1987-1995 and it had PPI which she thinks she was mis-sold and that the lender was Black Horse.

How do you know she had PPI or not? You are talking almost 30 years ago possibly.
If it was Black Horse then that is not Lloyds Bank. Black Horse were a separate trading entity to the bank and their files were not shared. if it was Lloyds, they would have information going back that far.

adc_2

Thanks for the replies so far. I know it's a long shot.

She knows she had it because she can remember questioning the sales adviser about it, because she knew she had adequate protection being an NHS employee, but she ended up having it added to the loan anyhow.

It was definitely black horse.

Any suggestions to move forward?

dunstonh

It was definitely black horse.

And did she approach Black Horse or Lloyds Bank?

adc_2

Black horse, I have the letter back from them

magpiecottage

Regardless of the colour of the horse you are flogging, it would seem to be dead.