Graduate Loans taken out in the 90s with HSBC

[MelAspinall]

Hi,

Could really do with some advice please?

I took out two graduate loans in the late 90s early 00s. I rang my bank today and they very helpfully gave me the loan reference numbers, sort codes and account numbers for these loans and told me that I did take out PPI on these loans. But that's all they told me. Not the dates or the amounts I took out.

How can I find out this information and also, what are the chances do you think of me getting my PPI back?

Any help would be gratefully received.

Many thanks,

Mel

[Hurricane Puffrose]

Re: Graduate Loans taken out in the 90s with HSBC

bumped

Highlighted to our PPI experts <3

[miliitant]

Re: Graduate Loans taken out in the 90s with HSBC

You mention graduate loans

a bit more detail please, who provided the loans

was it the Student loans company, your bank, etc

[MelAspinall]

Re: Graduate Loans taken out in the 90s with HSBC

You mention graduate loans

a bit more detail please, who provided the loans

was it the Student loans company, your bank, etc

It was my bank, HSBC. Does this help?

[di30]

Re: Graduate Loans taken out in the 90s with HSBC

Hi and welcome.

You can if you want to request for the paperwork in forms of sending them a Subject Access Request (SAR), they have 40 calendar days to comply, you enclose the fee of £10 cheque or postal order.

Myself or someone will post the template letter of the SAR if you require this, but let me just say that if there were a few loans/credit cards say with the same bank/business, then one SAR will cover all with the one payment as statement above.

Or another way would be to request a copy of the credit agreements, by writing a simple letter, enclose £1 cheque or postal order, as they provide these to you by 12 days of your letter, if you will be requesting for example 3 credit agreements, then you enclose the £1 for each one requested.
However, please be aware on this actual request, if the account is no longer active, they may not comply to this, but the SAR they must comply by the Data Protection Act.

[MelAspinall]

Re: Graduate Loans taken out in the 90s with HSBC

Hi and welcome.

You can if you want to request for the paperwork in forms of sending them a Subject Access Request (SAR), they have 40 calendar days to comply, you enclose the fee of £10 cheque or postal order.

Myself or someone will post the template letter of the SAR if you require this, but let me just say that if there were a few loans/credit cards say with the same bank/business, then one SAR will cover all with the one payment as statement above.

Or another way would be to request a copy of the credit agreements, by writing a simple letter, enclose £1 cheque or postal order, as they provide these to you by 12 days of your letter, if you will be requesting for example 3 credit agreements, then you enclose the £1 for each one requested.
However, please be aware on this actual request, if the account is no longer active, they may not comply to this, but the SAR they must comply by the Data Protection Act.

Hi,

Thank you so much for your reply. I would really love it if you could send me the template letter of the SAR as the loans are no longer active so I'm presuming that I would be enable to request a copy of the credit agreements?

I'm just hoping that I can get somewhere with this as they were late 90s/early 2000s.

Many thanks again for your help,

Mel

[di30]

Re: Graduate Loans taken out in the 90s with HSBC

Your very welcome.
Below is the full SAR, leave out what it not appropriate, and leave the details that does apply to you. (Bank charges part is not necessary).

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