am I correct in thinking

[john 1963]

these claims going in for PPI can only go back to 2002? sorry if I have missed this earlier. I wasn't going to bother with PPI claims but since everyone wants to shaft me I think I am now going to do it.

[di30]

Re: am I correct in thinking

Hi John

Myself and others have been successful in making reclaims of the ppi, even from accounts taken out in the 90's and some even earlier.
So go for it matey, if you don't try you will never know.

Good luck.

[swifty]

Re: am I correct in thinking

I took a 5 year business loan out in 2000 with HSBC for £10'000, to cut a long story short they forced me to pay it all off two years later because I was moving house and I had to pay back £11'000 in cash.
I don't have any paperwork nor am I in that bank anymore (closed my accounts down the same day they made me pay of the loan)

1. Will I be able to make a claim
2. how do I go about getting HSBC to send me all the paperwork including payments made
3. they must owe me something as I must have paid around £17'000 over the two years

[john 1963]

Re: am I correct in thinking

that's very interesting Di, is there a thread on here that walks you through the process? I'm afraid I have no paperwork from the companies involved, and I cannot remember any account numbers but I believe there are ways around this.

thanks X

[di30]

Re: am I correct in thinking

that's very interesting Di, is there a thread on here that walks you through the process? I'm afraid I have no paperwork from the companies involved, and I cannot remember any account numbers but I believe there are ways around this.

thanks X

Hi John

Yes there are ways around this.

If the loan was taken out eith the bank, sometimes the direct local bank will still hold details of the loan.

You can also try checking any old bank statements, the loan account number should be enclosed next to the loan monthly repayment. No matter who you taken out the loan with, as I assume you paid by direct debit every month through your bank.

And often, even with Subect access Request (SAR) to request for all the data on the account they may still hold, if they do not then they must return the fee you pay for the request £10 cheque or postal order, with a full explanation).
If you do want to request a SAR and have not done so yet, I shall post up the template letter you can use, and tweak if you want to to your requirement.

Again, if the loan was taken out with the bank, and you send a SAR letter, they should provide you all data in relation of all finance accounts you taken out with them, so if you had so many loans, credit cards etc, by applying your bank account number, then one SAR letter is all you require, with the one off payment of £10 cheque or postal order.
They have up to 40 calendar days to comply.

And you can fire away on the reclaiming. x

[di30]

Re: am I correct in thinking

I took a 5 year business loan out in 2000 with HSBC for £10'000, to cut a long story short they forced me to pay it all off two years later because I was moving house and I had to pay back £11'000 in cash.
I don't have any paperwork nor am I in that bank anymore (closed my accounts down the same day they made me pay of the loan)

1. Will I be able to make a claim
2. how do I go about getting HSBC to send me all the paperwork including payments made
3. they must owe me something as I must have paid around £17'000 over the two years

Hi there

I'm sure you could have taken the loan with you, I know I did when I moved, unless it differs with each bank, but I've not heard of that before to be honest.

Yes you can still make a reclaim.
How long ago was the HSBC account opened or closed? (you could try calling directly in the bank, with your name/address DOB details may help in order for them to track down details).
And yes, if mis sold PPI, they will owe you all you've paid of the PPI, in your case, as you settled your loan, they would have also included the ppi within the loan balance settlement, so you get all the ppi back, plus all the relevant interest.

[john 1963]

Re: am I correct in thinking

that's great Di, I just had one loan and my mortgage through TSB which then became Lloyds/TSB. Like I said I have no paperwork or remember account numbers as it is at least 9 years since i had any dealings with them, but there must be some records held by them. Any guidance/help is much appreciated, I am definitely doing it as I have just ordered a new printer for next week especially for the job.

[di30]

Re: am I correct in thinking

that's great Di, I just had one loan and my mortgage through TSB which then became Lloyds/TSB. Like I said I have no paperwork or remember account numbers as it is at least 9 years since i had any dealings with them, but there must be some records held by them. Any guidance/help is much appreciated, I am definitely doing it as I have just ordered a new printer for next week especially for the job.

Your welcome John

A few of my loan ppi's were as from mid 90's with lloyds and were successful with them, I was surprised when my SAR turned up with data even from then.

You can try by either calling directly into the branch, if that fails, you can optionally try for the SAR, letter template below if you want to do this, although by calling into the branch will save you a tenner on the SAR.
By giving lloyds as many details as possible, full name, addresses you lived in at the time and others, date of birth can help.

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

.................................................. .................................................. ..................................................

The address for the data dept, if you want to send the SAR letter........
LLOYDS TSB BANK PLC
DSAR TEAM
CUSTOMER SERVICES
RECOVERY TEAM
CHARLTON PLACE C57
ANDOVER
HAMPSHIRE
SP10 1RE

I would also send by signed for recorded delivery, for your proof of posting. x

[di30]

Re: am I correct in thinking

...........Another suggestion is, to write to Lloyds anyway, tell them you are aware of a loan taken out in so and so date, and you can recall being sold PPI, and believe you have reasons to make a reclaim, give your reasons, also the name of the bank that sold you the loan.

My brother in law been recently successful in making a ppi reclaim from lloyds and the account was taken out late 90's he could not remember the account number, but given details of the bank that sold the account.
So if he can do this, then so can you.

[swifty]

Re: am I correct in thinking

Hi there

I'm sure you could have taken the loan with you, I know I did when I moved, unless it differs with each bank, but I've not heard of that before to be honest.

Yes you can still make a reclaim.
How long ago was the HSBC account opened or closed? (you could try calling directly in the bank, with your name/address DOB details may help in order for them to track down details).
And yes, if mis sold PPI, they will owe you all you've paid of the PPI, in your case, as you settled your loan, they would have also included the ppi within the loan balance settlement, so you get all the ppi back, plus all the relevant interest.

It was opened in the 90's and I closed the account in 2002 after they blackmailed me into paying the loan off, I had a mortgage with HSBC as well as a business loan.
I sold my house and was about to move into another house (mortgage was to be with another company) the day before the contracts where to be exchanged the bank called me in and told me that they will not release my current contract untill I paid off the business loan in full, managed to get the £11'000 and paid it on the morning of the of the house/mortgage swap.

I was furious with the way they blackmailed me but at the time I couldn't see any other way out apart from complying with their demands

[di30]

Re: am I correct in thinking

It was opened in the 90's and I closed the account in 2002 after they blackmailed me into paying the loan off, I had a mortgage with HSBC as well as a business loan.
I sold my house and was about to move into another house (mortgage was to be with another company) the day before the contracts where to be exchanged the bank called me in and told me that they will not release my current contract untill I paid off the business loan in full, managed to get the £11'000 and paid it on the morning of the of the house/mortgage swap.

I was furious with the way they blackmailed me but at the time I couldn't see any other way out apart from complying with their demands

I personally think you have a case alone with the fact of what happened.........
And if you do have a case of being mis sold ppi as well, it could be treated as separate complaint perhaps.

Maybe over the weekend one of our guys will clarify on this, and we can take it from there if you want to.

[swifty]

Re: am I correct in thinking

That would be great, thanks

[di30]

Re: am I correct in thinking

That would be great, thanks

Your welcome.

We can start a nice brand new shiny thread or threads if we can complain on both matters.x

[john 1963]

Re: am I correct in thinking

cheers Di I will get that printed and posted as soon as the new printer arrives, do you think it will be ok if I put acc no. and sort code unknown?

[di30]

Re: am I correct in thinking

cheers Di I will get that printed and posted as soon as the new printer arrives, do you think it will be ok if I put acc no. and sort code unknown?

Your welcome John.

If you cannot find the account number, or if the bank does not disclose this to you, just leave blank the sort code and account number, and give details of your personal details on the actual letter, in order for them to try tracking it down, any problems, let us know.

Good luck.