PPI Confusion

TABgate

I have written to a number of lenders using the reclaim letter guidance. I have now received responses from them all the 1st from alloyed Bank advising me that if I want to apply formally under Data protection (fee £10). Is this standard?
Another was in regards to Abbey National (Santander) who sent a response asking me to provide more details as I didn't have the account number. I telephoned them and a very helpful advisor completed the required information over the phone. I have now received letters from Santander advising they will not be upholding my complaint. They have also enclosed the form I completed over the phone, and Ombudsman info.
Some of the accounts date back to the 1990's, and I don't have all the account numbers. I would appreciate advice as to my next steps.

[Deleted User]

While Banks are generally co-operative when customers enquire about old accounts and PPI, if a thorough search of archives is needed then a formal Data Subject Access Request (SAR) might well be required. This does indeed cost £10 for each lender.

However, if the records have been deleted due to the time elapsed, and you have no documents yourself, then your complaints are over before they've begun.

Nasqueron

With Abbey, unless you have some substantial new evidence then your only options are to accept the rejection or refer to the Ombudsman - your letter explains this. Unless you feel the bank have made an error based on the evidence you provided then don't expect too much and you may get lucky at the FOS - a he said/she said case isn't likely to succeed on that point alone