Reclaim PPI

Flicknick

Hello

I am completely new to this and have read lots of the posts and helpful advice and wondered if you could help me.

Back in the 80's and 90's I had various loans with Nationwide and Halifax. I don't have details of the loans any more and cant remember definitively if PPI was included with them but something in my memory thinks it was. I do however have my old account numbers and sort codes and wondered if as a starting point I should send an SAR letter to both or do you think I will be wasting my time as they are so old and they will simply come back with a standard response saying they don't hold records this far back.

Also, I had a mortgage back in 1993 with Abbey National (now Santander) where I am confident some form of PPI was attached to this. Unfortunately, I don't have any account numbers any more but I know the mortgage was paid through my Nationwide account which details I do have. Could I include something in the SAR letter asking if they could supply any details they have of the payments made to Abbey National? If not, should I send an SAR letter to Santander?

I know I also had various car loans during the 80s and 90s where PPI was included but again don't have these details any more but they would have been paid from my Nationwide account. Again should I include something in the SAR letter to ask if they have any records/statements of transactions paid from the account?

Any help with this would be much appreciated.

Thank you
Flicknick

antrobus

Flicknick wrote: »

Hello

I am completely new to this and have read lots of the posts and helpful advice and wondered if you could help me.

Back in the 80's and 90's I had various loans with Nationwide and Halifax. I don't have details of the loans any more and cant remember definitively if PPI was included with them but something in my memory thinks it was. I do however have my old account numbers and sort codes and wondered if as a starting point I should send an SAR letter to both or do you think I will be wasting my time as they are so old and they will simply come back with a standard response saying they don't hold records this far back. ..

There is no standard response. Either there are records or there are not. Once you go back more than six years the chances are that there are not.

Flicknick wrote: »

..Also, I had a mortgage back in 1993 with Abbey National (now Santander) where I am confident some form of PPI was attached to this. Unfortunately, I don't have any account numbers any more but I know the mortgage was paid through my Nationwide account which details I do have. Could I include something in the SAR letter asking if they could supply any details they have of the payments made to Abbey National? If not, should I send an SAR letter to Santander?..

Mortgage PPI is normally a stand alone product. In that you pay a separate monthly premium on top of the mortgage repayment.

You might be "confident some form of PPI was attached to" the mortgage, but it might have been something else such as a MIG. You can always raise a compliant with Santander, and they will tell you whether or not they have any records of a mortgage granted 34 years ago.

Flicknick wrote: »

..I know I also had various car loans during the 80s and 90s where PPI was included but again don't have these details any more but they would have been paid from my Nationwide account. Again should I include something in the SAR letter to ask if they have any records/statements of transactions paid from the account?..

Well you can. But I would doubt that Nationwide still hold any records going that far back in time. Or that the providers of the car loans had records either.

[Deleted User]

antrobus wrote: »

You can always raise a compliant with Santander, and they will tell you whether or not they have any records of a mortgage granted 34 years ago.

Far easier and quicker just to enquire about the existence of any records, I think. Only request a £10 SAR if they respond negatively and you want to be sure.

antrobus wrote: »

I would doubt that Nationwide still hold any records going that far back in time. Or that the providers of the car loans had records either.

The car loans are likely to be pre-regulation anyway.