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    • frankieb123
    • By frankieb123 3rd May 18, 1:22 PM
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    frankieb123
    Clydesdale Bank old account numbers
    • #1
    • 3rd May 18, 1:22 PM
    Clydesdale Bank old account numbers 3rd May 18 at 1:22 PM
    Hi I had a bank account with the Clydesdale bank and a credit card with them in the late nineties. I found an old credit card statement and bank statement that's what got me started. I knew the credit card number but didn't know the loan account number, I had a loan in 1997 to use as a deposit on my first flat. I put in a check for ppi and received a letter with 2 loan account numbers, 2 unknown account numbers and 1 credit card number which I know, but the letter says that they are unable to determine whether there was ppi on them. My question is I never knew the account numbers which they have provided apart from the credit card. Surely they must have details of the loans if they can find the account numbers or are the account numbers available but no details. Just asking as I know the accounts are ancient but worth a try. Thanks
Page 1
    • zx81
    • By zx81 3rd May 18, 1:28 PM
    • 18,621 Posts
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    zx81
    • #2
    • 3rd May 18, 1:28 PM
    • #2
    • 3rd May 18, 1:28 PM
    Surely they must have details of the loans if they can find the account numbers or are the account numbers available but no details.
    Originally posted by frankieb123
    Surely not.

    Data is archived in stages. But if you don't believe them, you could invest in a SAR.

    10 today or free after 25th.
    • dunstonh
    • By dunstonh 3rd May 18, 1:38 PM
    • 94,536 Posts
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    dunstonh
    • #3
    • 3rd May 18, 1:38 PM
    • #3
    • 3rd May 18, 1:38 PM
    Surely they must have details of the loans if they can find the account numbers
    Surely you are not suggesting they should be in breach of the data protection act.

    10 today or free after 25th.
    Ironically, the GDPR is more stringent on data destruction than the DPA. And it is retrospective. So, greater levels of data destruction is going to take place after May 25.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • frankieb123
    • By frankieb123 3rd May 18, 2:00 PM
    • 10 Posts
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    frankieb123
    • #4
    • 3rd May 18, 2:00 PM
    • #4
    • 3rd May 18, 2:00 PM
    Thanks for the replies. What I should have said is I have not been a customer of Clydesdale bank since 2001 and all I wanted to know is do they keep the account numbers and that you were a customer indefinitely, but not the paperwork relating to those accounts.
    • Nasqueron
    • By Nasqueron 3rd May 18, 2:28 PM
    • 5,467 Posts
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    Nasqueron
    • #5
    • 3rd May 18, 2:28 PM
    • #5
    • 3rd May 18, 2:28 PM
    It's more than possible they have account details on one system and old archived data linked to those accounts somewhere squirrelled away like on microfiche and the only way to find them is via account number.

    You said you found an old credit card statement - easy to check if you had PPI if the card had a balance not paid off in full - simply look for the charge on the bill for PPI
    • dunstonh
    • By dunstonh 3rd May 18, 2:37 PM
    • 94,536 Posts
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    dunstonh
    • #6
    • 3rd May 18, 2:37 PM
    • #6
    • 3rd May 18, 2:37 PM
    What I should have said is I have not been a customer of Clydesdale bank since 2001
    As mentioned, the destruction of data is phased over time.

    If you had remained a customer, the destruction rates would be slowed down and extra remnants of data would have been in their systems. However, when you cease the business relationship, the destruction level is increased.

    and all I wanted to know is do they keep the account numbers and that you were a customer indefinitely
    They don't regurgitate old account numbers. So, that account number is forever allocated to you. So, that bit of data is not something that gets destroyed.

    The paperwork for the account would start its destruction sometime after 6 years after repayment of the debt. (maybe extended if you had remained a customer).

    i.e. the guidance we have been given under GDPR and the FCA rulebook is that when a client service ends, destruction of non-liability documents should be destroyed after 5 years. However, where the person remains a client, the destruction should be 10 years. Destruction is not required to be instant on an anniversary and can done in phases. And some documents are kept longer than others.

    Sometimes, snippets of data can exist which are not personal data but can give a clue. For example, Lloyds Bank had a different account code for loans with PPI and without PPI. So, they can tell from the account number alone if there was PPI on it or not. They know their historic PPi premium rates so can often consider a complaint where no documents exist.

    This is why firms all have different periods where data is and is not available.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • frankieb123
    • By frankieb123 3rd May 18, 3:01 PM
    • 10 Posts
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    frankieb123
    • #7
    • 3rd May 18, 3:01 PM
    • #7
    • 3rd May 18, 3:01 PM
    and all I wanted to know is do they keep the account numbers and that you were a customer indefinitely
    Sorry I should have said these aren't the bank account numbers but the loan account numbers, which I didn't have to hand apart from my bank account number and the credit card number.
    • sun73
    • By sun73 3rd May 18, 10:47 PM
    • 422 Posts
    • 132 Thanks
    sun73
    • #8
    • 3rd May 18, 10:47 PM
    Clydesdale Bank old accounts
    • #8
    • 3rd May 18, 10:47 PM
    Hi I had a bank account with the Clydesdale bank and a credit card with them in the late nineties. I found an old credit card statement and bank statement that's what got me started. I knew the credit card number but didn't know the loan account number, I had a loan in 1997 to use as a deposit on my first flat. I put in a check for ppi and received a letter with 2 loan account numbers, 2 unknown account numbers and 1 credit card number which I know, but the letter says that they are unable to determine whether there was ppi on them. My question is I never knew the account numbers which they have provided apart from the credit card. Surely they must have details of the loans if they can find the account numbers or are the account numbers available but no details. Just asking as I know the accounts are ancient but worth a try. Thanks
    Originally posted by frankieb123

    I would definitely send a SAR and ask them to retrieve your statements or transaction history for all accounts because these documents will show the reference numbers for the loans and ppi charges. Clydesdale will probably have this information held in their electronic systems and microfiche records.

    When the FCA conducted a review in 2014/15 they found Clydesdale had customer statements going back further than 2000 even with some closed accounts. A relation of mine received copies of his credit card statements dating from 1994 for an account that closed in 1998. Hope this helps.
    • dunstonh
    • By dunstonh 3rd May 18, 10:55 PM
    • 94,536 Posts
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    dunstonh
    • #9
    • 3rd May 18, 10:55 PM
    • #9
    • 3rd May 18, 10:55 PM
    When the FCA conducted a review in 2014/15 they found Clydesdale had customer statements going back further than 2000 even with some closed accounts. A relation of mine received copies of his credit card statements dating from 1994 for an account that closed in 1998. Hope this helps.
    Which is why you are more inclined to believe them now after what the FCA forced them to do.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • frankieb123
    • By frankieb123 4th May 18, 9:02 AM
    • 10 Posts
    • 2 Thanks
    frankieb123
    I would definitely send a SAR and ask them to retrieve your statements or transaction history for all accounts because these documents will show the reference numbers for the loans and ppi charges. Clydesdale will probably have this information held in their electronic systems and microfiche records.
    Hi sun73 thanks for the reply. Yeah that is what I don't understand I never gave them the reference numbers for the loans but they somehow managed to find them and put them on the letter I received and then say they don't have any info on the loans. If they can find the ref no's from an account closed nearly 20 years ago surely they must have the details. I will send away for a SAR and see what happens.
    • Nasqueron
    • By Nasqueron 4th May 18, 9:43 AM
    • 5,467 Posts
    • 3,370 Thanks
    Nasqueron
    Hi sun73 thanks for the reply. Yeah that is what I don't understand I never gave them the reference numbers for the loans but they somehow managed to find them and put them on the letter I received and then say they don't have any info on the loans. If they can find the ref no's from an account closed nearly 20 years ago surely they must have the details. I will send away for a SAR and see what happens.
    Originally posted by frankieb123
    One doesn't follow the other - having an old list of clients and loan numbers doesn't mean they hold old details of the actual loan and so on
    • Moneyineptitude
    • By Moneyineptitude 4th May 18, 11:13 AM
    • 20,981 Posts
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    Moneyineptitude
    If they can find the ref no's from an account closed nearly 20 years ago surely they must have the details. I will send away for a SAR and see what happens.
    Originally posted by frankieb123
    They've already told you that they have no detailed records of the loans. If you really must have a SAR to confirm what you've been told , I recommend you wait until the end of this month when such requests are no longer chargeable.
    • frankieb123
    • By frankieb123 9th May 18, 10:41 PM
    • 10 Posts
    • 2 Thanks
    frankieb123
    Hi quick update. Clydesdale have told me they have archived records but I had to fill in the complaint form and ask them to search those records, the first form was to check if I believed I had PPI, so it looks as though they have the accounts on microfiche. I'll wait and see how I get on.
    • frankieb123
    • By frankieb123 13th Jun 18, 2:48 PM
    • 10 Posts
    • 2 Thanks
    frankieb123
    Hi everyone just received a letter today telling me that my PPI has been upheld and I will be receiving 10976. There were about 6 loans dating back to 1996. So anyone who thinks they have had PPI from years ago it is worth a punt. I also received 872 from Bank of Scotland for a loan from 2000. Happy Days!!
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