Old account - "no data held"

WorriedByDebt

I found an old Experian report which said I had a loan with GE Money Lending dating back to 2001.

I've called them and they said "we aren't obliged to keep records that far back. Unless you can find paperwork showing PPI you're screwed." (Or words to that effect!)

Is this correct? Is the burden of proof on me? Other companies have been far more forthcoming.

thanks,

WBD

[Deleted User]

Yes. You're the one making the complaint.

dunstonh

Is this correct?

Yes it is. They are required to destroy data after a reasonable period. Typically regarded at 6 years. 2001 is good few years prior to regulation and there would be no reason for them to retain old stuff.

Is the burden of proof on me?

That is English law. However, the FCA do require the firm to look at the available evidence from either side to make a decision.

WorriedByDebt

What if I was to do a SAR?

Can they still say they've junked the records?

[Deleted User]

Yes, if they've junked the records.

dunstonh

WorriedByDebt wrote: »

What if I was to do a SAR?

Can they still say they've junked the records?

It shouldn't make any difference. If the records no longer exist then they no longer exist. A DSAR would be a different dept looking but in theory, it should have the same outcome. If you don't mind spending £10 then you can do it.