I had PPI but have no records-please advise.

[patrolthebanks]

dear friends,

I was sold a PPI some time ago -maybe in 1998 ? I travelled exetensively 2000-2002 using Nat West Credot card to which the PPI covered.


I then cancelled the contract as being unsuitable in 2004(?).

The bank wrote to me urging me to reinstate teh PPI contract ;date unknown.


I have no records or Credit Card statements as this happened some time ago.


Should Nat West on request send me the relevant info?

Such as ;-


1)Total Premiums paid.

2) Original Terms and conditiosn of PPI contract.

3) Copy of letter from Nat West urging me to re-instate contract which i had just cancelled.

I would be most grateful for any advice here.

Many thanks

[di30]

Re: I had PPI but have no records-please advise.

Hi there

I would definately give it a try, or maybe call into the local branch, speak to the manager and request for the details you require, some banks are more lenient than others, and hopefully by calling in they may try tracking the info down, otherwise a Subject Access Request (SAR) "May" be helpful, depending on how long they hold the data of all accounts you've taken out with them.
If you also banked with them, then you maybe lucky to get hold of the details.

Let us know if you require a SAR, then one of us will post this up for you, this is a letter to request for all data on accounts you taken out with them, you pay a one off payment of £10 cheque or postal order, they have 40 calendar days to comply.

[patrolthebanks]

Re: I had PPI but have no records-please advise.

Hello dear friend,

This is most helpful and I appreciate your time here.

re SAR yes please send a SAR-so I can request the information.

So a big thanks!

yours aye.

[di30]

Re: I had PPI but have no records-please advise.

You are very welcome x And SAR template letter below, good luck.

YOUR ADDRESS
YOUR POST TOWN
YOUR POSTCODE

BANKS NAME
BANKS ADDRESS
BANKS POSTCODE

Date

Account No: XXXXXXXX Sort Code: XX XX XX

Dear Sir/Madam

Please send me all data that your company holds relating to my entire account history. Please include details of all transactions, and a copy of the original contract by which this account is/was governed at the time it was opened including all amendments made to the contract terms since opening the account.

I would also like a schedule of all charges & interest applied to my account(s) including details of any instances that required manual intervention. If you are unable to provide this specific information, copy statements will suffice.


All data, including data held on a microfiche must be provided within a reasonable timescale, a maximum of 40 days.


In light of all the recent publicity regards the reclaiming of bank charges, some Banks appear to now only be providing a breakdown of charges in response to all and any Data requests. For the avoidance of doubt I do actually require all information held by yourselves.

It seems a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all. If you no longer hold data beyond 6 years however, I would like a signed declaration from your data controller and a copy of all documents pertaining to its proper disposal.

Whilst not exhaustive and for the avoidance of doubt I shall list what I require:

* Full copies of all contracts that exist between myself and your organisation; including copies of any documents you hold in support of same.

* Copies of all statements relating to the above accounts.

* Copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts.

* Copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them.

* Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

* Full details and copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party.

* Full copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information.

*Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of same, and at the time it was held or provided to a third party.

* Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

I enclose the maximum statutory fee of £10.

You have 40 days to comply with this request.

If you fail to comply fully I shall enter a formal complaint with the Information Commissioners Office which could result in a fine and prosecution.




Yours faithfully,



Your name

[brummie]

Re: I had PPI but have no records-please advise.

Hi

Nat West will probably re-direct you to the card team in Southend. Apply for your SARS from Nat West which will show your activity ( presuming you paid the card from a Nat West sevicing account) and also get in touch with Southend. They are ( from past experience ) slow to respond, but keep writing in.

CARDS CUSTOMER SERVICE,
P.O. BOX 5747,
SOUTHEND-ON-SEA,
ESSEX,
SS1 9AJ.

Good luck.

[Bill-K]

Re: I had PPI but have no records-please advise.

If you bank - or banked - with NatWest, it may be worth asking your local branch to try and get this info for you first. Sometimes - if you're lucky - you may get a decent staff member or branch manager who makes a proper effort to serve you, and they MAY be able to get hold of data which is older than 6 years. Also, if the card account has not been closed, then you should be able to obtain a copy of the original credit agreement and/or application, which will give a start date, and may also include a PPI agreement.

[brummie]

Re: I had PPI but have no records-please advise.

To add to Bill's comments i can confirm that they do keep the information longer than 6 years, as they have provided such information for me.