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PPI but no details.. AA Loan
ADaffodil184
Posts: 31 Forumite
Hello!
I had a £14k loan with the AA, taken out in 2009 I believe, but I can find no paperwork.
I called the AA who said it would have been RBOS, they have since said they can find no details of my account existing - can I do anything? I can't even find trace of it on my credit reports!
It ended in 2012..
Thank you!
I had a £14k loan with the AA, taken out in 2009 I believe, but I can find no paperwork.
I called the AA who said it would have been RBOS, they have since said they can find no details of my account existing - can I do anything? I can't even find trace of it on my credit reports!
It ended in 2012..
Thank you!
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Comments
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Your last 6 years are on your credit record so if the loan ended in 2012 pre August it'll have gone now. Did you take out the loan through AA but the finance was provided by HBOS?
You can send a SAR to AA and RBOS (include your name, address at the time etc) and see what records they have left, I'd be surprised if they had deleted them already though it is technically outside the 6 year guidance.
However, are you sure you had PPI? A loan taken out in 2009 is not likely to have had PPI given the whole PPI miss-selling issue was already well established by then with companies being fined over it and the first super complaint to the OFT was in 2005. Many firms had already stopped selling it by then.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Banks had stopped offering PPI by 2009, so there is little point in you pursuing it.ADaffodil184 wrote: »
I had a £14k loan with the AA, taken out in 2009 I believe, but I can find no paperwork.0 -
Hmm, that had crossed my mind..! It is the last one outstanding of all of my claims, so perhaps I should just leave it be if that's the case!
Thank you both!0 -
What is an SAR??0
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Subject Access Request.0
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