How to find old bank account numbers

Damfino

I've tried to make a claim for PPI made on loans, which I now believe were mis-sold to me and my husband on loans we took out between 1989 and 1997. I definitely know we had insurance on them as the bank refused to give us the loans without it despite him having insurance provided by his employer in the event he couldn't work, plus we had life insurance.

The problem is my husband died in 1997 and I have absolutely no paperwork from our bank from the time in question, so no idea of bank account numbers etc and without those Lloyds are refusing to accept my claim for PPI payment.

Is there any way I can trace these numbers? I tried claiming myself and using a well known claims company who had the same response as I did from Lloyd. What was disappointing with using the claims company is that they led me to believe that they could find all that out and it was only when I called them today after hearing nothing for 5 months that they told me my claims had been rejected in May, but, hadn't bothered to tell me.

Surely banks have records of accounts going back to the 1990s and should be able to provide them on request in the event of a PPI claim on loans daiting back then

Any advice would be gratefully received as I think this could be a substantial sum of money I could be missing out on.

Ironically the mortgage company we had paid me for the mis-sold insurance without me even having to claim when PPI payments were first being paid back.

Browntoa

https://www.mylostaccount.org.uk/about

[Deleted User]

Damfino wrote: »

Surely banks have records of accounts going back to the 1990s and should be able to provide them on request in the event of a PPI claim on loans daiting back then.

They shouldn't do without very good reason,, or they would be at risk of DPA breaches.

Nasqueron

The DPA requires banks to remove data when they no longer have reason to store it - actions such as closing the account or the death of the account holder can trigger the clock and 6 years is typically recommended as the point to start data cleansing. Unfortunately if your husband died in 1997, 21 years later the banks should really have deleted all the records by now as there is no good reason for them to keep them (as per law).


Was your PPI complaint rejected as they couldn't find any records? If so, your case is over. If for another reason, the claims firm should have asked you about referring to the FOS which has a 6 month time limit and may be over soon

-taff

You haven't had a claim rejected, you have had a response that they no longer hold any data. If you want to satisfy yourself this is the case, send a SAR.


Without any data or info left, your complaint is dead in the water. No one can magic up records that have been destroyed, and you're looking for records from over 20 years ago. Unlikely they have them.

[Deleted User]

Damfino wrote: »

Surely banks have records of accounts going back to the 1990s and should be able to provide them on request in the event of a PPI claim on loans daiting back then

You were fortunate that your mortgage PPI was refunded without any complaint from you, but the Bank must have recognised there had been widespread mis-selling and proactively contacted the customers affected.

Records from that far back are only kept for people with active accounts dating from that period to the present. Accounts long closed are deleted, so for those deceased for more than two decades there is absolutely no chance of retrieving information.

You've already been told this thrice, once when you complained directly; second when you employed a Claims Company to complain again on your behalf and thirdly here on the forum.

To be honest, you were lucky that the Claims Company didn't charge you for wasting their time when you had already complained before. This may go some way to explain why they didn't make any attempt to tell you that your second abortive complaint had also failed.

Time to move on from this now, unless you can find comprehensive documentary evidence in your own archive.