Lost bank details so unable to claim?

TJ23_2

Hi all,

This is my first time posting here and so, if this is something already covered elsewhere, apologies.

In the mid-eighties my father had a large loan with Natwest and was sold PPI. He's been attempting to claim it back but is struggling to get the information together that he needs. Back then everything was paper based, of course, and he and my mother used to keep everything for six years and then dispose of it. Consequently, he no longer has details of the loan. He's spoken to the bank about it and they've passed him around various departments including archives. However, they are saying they can find no record of the loan.

He's still banking with them now and has done throughout. Having no record himself and the bank saying they can find no record, he is of course unable to proceed with a refund application for the PPI. He believes this would be quite a significant sum and, as he is now in his sixties and unable to work due to cancer, this would make a world of difference to him and my mum. My question is, therefore, is there any way for him to retrieve his details from elsewhere so that he can go ahead and make his claim? I expect not but any help would be very much appreciated.

Thanks for reading!

dunstonh

In the mid-eighties my father had a large loan with Natwest and was sold PPI.

Is he sure it was PPI? PPI was only just starting to be retailed at that point. It was not common. Possible yes but could it be something else?

However, they are saying they can find no record of the loan.

Not unexpected as they would have been paper based on things like that too at the time.

Having no record himself and the bank saying they can find no record, he is of course unable to proceed with a refund application for the PPI.

Its not an application for a refund. It is a complaint about mis-sale with reasons given. If the bank agrees it was mis-sold, then they refund (plus interest). However, if there is no evidence of wrongdoing then they will not uphold the complaint and will not refund.

My question is, therefore, is there any way for him to retrieve his details from elsewhere so that he can go ahead and make his claim?

No. If he has no records and the bank has no records then it is game over.

If he does not believe the bank or wants to make sure they have carried out a more thorough search, then he can spend £10 and do a data subject access request. That will require the bank to supply records it holds on him. It that yields nothing then you know the bank was telling the truth. However, what the bank is saying is not unreasonable or unexpected as it was 30+ years ago and predates regulation.

sun73

I too had a NatWest loan in the mid 1980's with added PPI and like your dad no longer have the paperwork or account number, although at the time NatWest did not provide specific loan reference numbers until early1990 which makes it even more difficult to locate the evidence in their systems.


If he paid it by direct debit through his NatWest personal bank account after October 1992 and this account is still active, there's a good chance he can obtain bank statements (stored in microfiche) as far back as then which should show the loan being repaid. He will have to send a SAR for this.


I received statements dated from October 1992, unfortunately, I repaid my loan in January 1992, so I have no proof and NatWest/RBS claim not to hold any earlier transaction histories.


I have read on other forums that customers of NatWest have managed to get hold of transaction data from 1988/89, but they can't seem to find my data pre October 1992.


I hope you have better luck than me.