Subject Access Request for PPI

[maroondevo52]

Hopefully you'll get that sorted, let us know how you get on.

[FlySi]

Sent a SAR to MBNA at the start of last week and, because the accounts have closed, included previous addresses going back over 20 years. Today, I've received a letter from MBNA saying they can't find the accounts and have returned the cheque. They've requested either the account number(s) or, if those are unavailable, a list of all previous addresses (which I've already done), any surname changes and my date of birth.

 

Does anybody have advice regarding this? I've already supplied them with my previous addresses and the accounts were closed whilst living at my current house. Is this MBNA dragging their feet or is it legitimate to ask for this?

[chipsandsausages]

Hi, I successfully used this site some 5 years ago to reclaim bank charges, (THANKS ) I was just wondering, does the six year rule apply to PPI?

 

I took out a loan for just £800 with Lombard Direct at least 8 years ago (Could be more than 10 years ago). They automatically sent me a credit card (which I didn't ask for) and I used it up until a couple of years ago, until Lombard passed over to Bank of Scotland and they cancelled my card, as it had a zero balance.

 

My account is closed, and I have no paperwork for it.

 

I've looked on this site for details as to whether I am eligible to claim, as they included ppi without my asking for it and when I tried to cancel it, they kept referring me to another department, which never answered the telephone, so I was never able to cancel it.

 

I don't know exactly when I took out the loan. I don't remember when they cancelled my card (although I believe it was perhaps about 2 or 3 yrs ago) and I don't have any account numbers or anything.

 

Am I a lost cause?

 

Thanks for any help you can offer x

[ims21]

Hi, I successfully used this site some 5 years ago to reclaim bank charges, (THANKS ) I was just wondering, does the six year rule apply to PPI?

 

I took out a loan for just £800 with Lombard Direct at least 8 years ago (Could be more than 10 years ago). They automatically sent me a credit card (which I didn't ask for) and I used it up until a couple of years ago, until Lombard passed over to Bank of Scotland and they cancelled my card, as it had a zero balance.

 

My account is closed, and I have no paperwork for it.

 

I've looked on this site for details as to whether I am eligible to claim, as they included ppi without my asking for it and when I tried to cancel it, they kept referring me to another department, which never answered the telephone, so I was never able to cancel it.

 

I don't know exactly when I took out the loan. I don't remember when they cancelled my card (although I believe it was perhaps about 2 or 3 yrs ago) and I don't have any account numbers or anything.

 

Am I a lost cause?

 

Thanks for any help you can offer x

 

There is no time limit as such for mis-sold PPI.

 

I'd start your own thread in the ppi forum

 

ims

[kennyh]

Hello FlySi,

I've only EVER found MBNA to be almost totally obstructive and they're no doubt helped by someone giving the banks the belief that they don't have to retain records of dormant accounts for more than 6 years.

There used to be a part of the forum where folk were able to record their experiences and/or success in unearthing elderly records that 'they' would have you believe were already destroyed.

Also don't be deceived by the title of some of those with whom you communicate at MBNA - at one stage EVERYONE was signing as 'manager'.

Just bear in mind they are totally bloody minded and keep threatening with court/ombudsman action and may your gods go with you.

[dx100uk]

this thread is for ref ONLY

 

please start a new thread

 

 

of your own

 

dxsiteteam

thread closed