Black Horse PPI

Colepepper

Hello All

I am not sure if this is the right place to post this so apologies if its in the wrong section.

I wonder if you could help me with a PPI claim with Black Horse, I sent in a claim using the resolver website about PPI, I remember taking out three loans with Chartered Trust and paid them all off in full, but only had the details on one lets say account 33722 First two letters I received of them said they didn't have any record of any loans taken out,However I persisted with the claim and sent them scanned copies of my statements of one of my loans namely 33722as it was the only details I had,after much email ping pong, I received two letters the same day, one saying unfortunately they have no record of account 33724 and the other was an upheld decision for the account 33722 and 33723 that they have paid me and was received with thanks.

Now here is where I find it strange, in the letter regarding account number 33724 they claim they were unable to find a loan account details for this account number that they had located, and want more evidence, I don't have any evidence to support this account, but they have given me the account number so am I right in thinking they do have the details of the account,where do I stand in this situation, they said they have closed the claim, I suppose I could escalate it to the Ombudsman, but would like to resolve this without the need to, is there any way I could use some sort of argument to pursue this particular account,if they have your account details are they bound by law to proceed with the case ? I can understand if they didn't have any details of the account but they have admitted it in letter form.

Many Thanks

Chris

[Deleted User]

Colepepper wrote: »

they claim they were unable to find a loan account details for this account number that they had located, and want more evidence, I don't have any evidence to support this account, but they have given me the account number so am I right in thinking they do have the details of the account,

They really aren't contradicting themselves here.

Just because they acknowledge a particular account number, it does not mean that they still have details of this account.

Colepepper wrote: »

they said they have closed the claim, I suppose I could escalate it to the Ombudsman,

Unfortunately, even the Ombudsman won't be able to magic up records of an account which the Bank say they no longer have.

If you refuse to believe that they no longer have records, you should send a Subject Access Request (SAR) letter which will return all information they have kept on file for you. Note that this will cost £10 and will in all probability just confirm what they have already told you.