Advice needed

Fatapotamus

Morning,

I'm after a bit if advice with the wife's PPI claim.

We made a claim against an old Dorothy Perkins store card that she had, Santander (who now own GE Capital who the card was with) wrote back acknowledging the account and the PPI on it.

So far, so good. They gave us the account number, and asked us to fill in the details on the claim, which we did.

Then they gave us a settlement offer based on 'the period of 2005-2018 due to lack of information about the account prior to 2005'

Now for the advice....

The card was taken out in the late 80's and was used regularly, with a large balance and regular payments mainly between then and 2004.
If they have the account number and some information about the account, surely they have the full details of the account?

Would they be offering a lower settlement in the hope that they don't have to pay out on the full amount?
Would a Subject Access Data Request be worth doing to try and get some more information about the account?

Any advice would be appreciated

dunstonh

If they have the account number and some information about the account, surely they have the full details of the account?

Why do you think that? They gave your wife a monthly statement. So, why has she not got copies of all those statements? Because she didnt need to keep them any longer than necessary.

Firms are the same. Except they have to act within the data protection act. That states information should only be retained for as long as necessary. That is typically 6 years. The regulator told firms to stop destroying data in respect of PPI some years back. That is the only reason they can go back to 2005. What reason do you think that a firm would need to keep statements from 30 years ago?

Would they be offering a lower settlement in the hope that they don't have to pay out on the full amount?

no.

Would a Subject Access Data Request be worth doing to try and get some more information about the account?

it will cost you £10 and theoretically could result in information. However, its unlikely.

Fatapotamus

Fair enough lol

Tbh, I was surprised at the offer they gave her, but there's always the thought that they're trying to minimise their payments

Thanks for the reply