Halifax wont provide Account No 31 May 2016 at 2:32PM edited 30 November -1 at 1:00AM in Reclaim PPI & Other Insurance 4 replies 828 views

jollyjaxx

Hi guys can someone help me please?
I had a loan with Halifax that I repaid approximately 10 years ago. I no longer have the roll number so rang their PPI line, who told me to direct my query to their loans customer service. They in turn told me to write in with all my details, which I did, and they've written back to say they cannot find any information.

I find this hard to believe as both RBS and EGG have and I had those at the same time, so I just think they are being difficult.

Any ideas what I can do next? Tempted to try and obtain details from RBS of the direct debit but don't know how much of a chore that will be either?!

Many thanks :-)

[Deleted User]

jollyjaxx wrote: »

I just think they are being difficult.

The fact that other finance providers have kept old records is not reason to believe everyone should or will. FCA general guidance is that records should be kept for around six years for accounts which are closed.

You can pay £10 for a Subject Access Request (SAR) which will net you everything they have kept on file for you. Your choice as to whether you want to pay this money simply to ensure that they are telling you the truth.

jollyjaxx wrote: »

Tempted to try and obtain details from RBS of the direct debit but don't know how much of a chore that will be either?!

That won't achieve anything other than show you paid some kind of finance each month. It won't show an individual insurance payment, nor will it give you anything solid to complain about.

You'd need far more than an account number in order to make a PPI complaint where records no longer exist.

This thread should more correctly be entitled "Halifax CANNOT provide Account No".

Goldiegirl

Halifax have migrated most things on to the Lloyds systems, so probably nobody has access to old records anymore.


A few years ago it would have been easy to provide you with an old roll number, but now

[Deleted User]

Goldiegirl wrote: »

A few years ago it would have been easy to provide you with an old roll number, but now

The Banks have also started taking data protection much more seriously than they did in the past. Old records of closed accounts are routinely deleted after six years.

Regardless, without comprehensive documentation from his own archive, "jollyjaxx" is unlikely ever to progress a PPI complaint in this instance.

dunstonh

They in turn told me to write in with all my details, which I did, and they've written back to say they cannot find any information.

Data protection requires them to hold on to records for no longer than is necessary. The FCA suggest 6 years for most things (although some should be longer).

Any ideas what I can do next?

if you dont believe them, then spend £10 and do a data subject access request.