Finding Old Loan / Finance Details

Edd_KPRS

Hi All,

I have read the MSE page on Reclaiming PPI. I have an issue in trying to remember who over the last 20 years i have had accounts / loans / car finance and mortgages with!
I have checked my credit report but it only goes back 6 years from what i can read and I can't even find that information very easily on the experian / MSE Credit check page. So thats my first question (where do you see the list over last 6 years?)

Is there a way i can find this information from somewhere? What i can remember...

HSBC bank account held from 1998 - 2010
HSBC Loan 2002 (or 2003) - 2005
HSBC mortgage in 2005 - 2008
Car Finance through Citroen ??? in 2005 - 2006ish
Bank Loan or Car finance in 2007 - 2008
would have held many different credit cards over the years as well switched to always change and get best deals!

Imagine the loans / Car finance and credit cards will stand a stronger chance and possibly my original mortgage.

Currently have a First Direct account 2010 onwards (no PPI on this) and Natwest Mortgage which i can check but dont think i have any PPI on this.

Any help would be appreciated! :beer:
Thanks Edd

[Deleted User]

Accounts over 6 years are only in your filing or memory.

-taff

Phone HSBC and ask if you had PPI with them, if they can't tell you on the phone, send a SAR.
If you had car loans, and the dealership sold them to you, you complain to the dealers. They weren't regulated prior to 2005 though and can dismiss your complaint.
No one has records of all your credit except you and your credit report.

Nasqueron

The HSBC loan and possibly some credit cards are the ones you will have been more likely to have had it on, post 2005 car sales when regulation had started tended to be stricter on the sales process precisely because they could be held liable for miss-sale

fastbargins

You can check FCA website for a good list of major lenders and the credit companies they are responsible for. The list is absolutely huge!
Each lender has a link to PPI enquiry form so just look through to see which products you recognise and think you may have had and complete the form. They (the lenders) will do the legwork and tell you whether or not they have any record of you having PPI on any account you had. If they no longer have a record then you will need to try and find some evidence of having had PPI such as old statements etc.
https://www.fca.org.uk/ppi/how-to-check

I recently did this and found my memory was jogged by the list and there were a good few store cards that I'd forgotten all about. I also found out through this that my first mortgage provider had added PPI when I had distinctly told them not to! Worth checking for sure.