PPI Claims - Missing account details

DATurner

Hi, I'm completely new to the forums and have previously dismissed all likelyhood of a successful claim as although I am sure I will have had PPI on various bank, credit card and other policies since the early 1990's, I do not have any paper copies, nor can I remember (or have access to) any account numbers/details. I do have an idea of which Banks and such I may have had policies with....how would I begin claims without policy numbers?!

[Deleted User]

You'd write to the lenders, giving them whatever information you can.

[Deleted User]

DATurner wrote: »

I do have an idea of which Banks and such I may have had policies with....

First action is to contact each bank by 'phone, letter or E-Mail simply asking if they have any record of you having PPI. If they respond negatively (and you don't believe them) you can force them to send everything they have kept on file for you by sending a Subject Access Request (SAR) letter to each bank. A SAR costs £10 per lender.

Do note that "the early 1990's" is now almost thirty years ago..

[Deleted User]

Moneyineptitude wrote: »

Do note that "the early 1990's" is now almost thirty years ago..

:eek: When did that happen?!

I'd have said it was about 10 years ago, maximum!

DATurner

Thanks for feedback...seems I have quite a task ahead of me!

societys_child

seems I have quite a task ahead of me!

Remember, spending £10 on a SAR could a waste of time and money, if they have no record of you, after all this time.

[Deleted User]

Deleted_User wrote: »

:eek: When did that happen?!

I'd have said it was about 10 years ago, maximum!

Scary how time flies...

Shullie

Hi, have had a number of phone calls to Lloyds re a loan I was pressurised into to taking in 1999/2000 to cover my student overdraft and which I am still paying back . They keep telling me that they can not find the account number for the loan. Today I have called them yet again after receiving a letter , with a copy of a previous letter they say they sent but I never received, which should have contained at questionnaire.

They started to tell me again that they have no information on me ever having a loan-.
I advised them from what I can see on the letter they wont has they have spelt my name wrong in the first instance; once that was sorted out, they asked for my address history - I gave them that, including where I lived when I took the loan out. I also gave them the numbers I have from them on letters that they wrote to me going back to 2009 .
They are still denying that I had a loan from them.They have told me to go to the bank branch and speak to them. The branch I use to use is now closed. I explained I no longer have an current account with them as they closed it. I gave them all the relevant numbers I have, including the numbers I use to pay them money every month.

At first they said they have no information of me banking with them and then suddenly they told me that they have copies of letters. However as the letters do not have the loan account number on it they can't do anything and it is up to me. They told me that I needed to contact the archived account team - and gave me a number - which does not work.

So where do I go from here?

IAmWales

Ask again for the number for the archive team.

[Deleted User]

Shullie wrote: »

Hi, have had a number of phone calls to Lloyds re a loan I was pressurised into to taking in 1999/2000 to cover my student overdraft

You say you are still paying this loan, but did you default and the loan was passed to a collection agency? This might explain why they can't find your account.

Secondly, are you complaining simply that you were "pressurised" into taking the loan? If so, I'm afraid your "complaint" is not valid. It was your own choice to take a loan, nobody forced you.

-taff

You can send a SAR and £10 to see if hey can locate any old information, but you may be wasting 10.
If thy do come back with documents, then you can use singl prmeium as a missell reason.