J D Williams - PPI and failure to provide data

[Baronstoneybroke]

We have a dispute with 50+ about the PPI on this account. It goes back a long way but basically, my wife noticed that PPI was on her account and had it removed. In light of the PPI situation we wrote to 50+ and said that since they removed the charges after our complaint they should repay the money.

 

50+ has admitted that the charge was put on and removed but has no information after 6 years as they have destroyed the info.

 

They have provided a copy of the contract which seems definitely dodgy, I will scan that in and maybe start a new thread.

 

I have asked for a certificate of destruction to prove the fact but they refuse to make any move over the account.

 

I have told them that I will be taking action but they have debarred themselves from any further communication. I have also informed the Collection agency (CCS) that we are still in dispute.

 

Where next? Can I go to the Data Agency about non-provision. Can I make life difficult for 50+, ('cos that's how I feel)?

 

The Baron

[ims21]

Hi

 

Have you put in a formal ppi mis-selling complaint using the fos consumer questionnaire? If not then that would be the way to go.

 

Have you sent them a SAR? If not that might be useful too.

 

Bear in mind that lenders tend to claim that they destroy records older than 6 years although we do know that some do keep older stuff. Consequently you may have a battle to get that older data if indeed it does exist.

[Baronstoneybroke]

Thanks for the advice, I will take those steps and let you know how it goes. It seems strange though that they can provide certain information and not that which is requested