PPI reclaim - Acenden have no record of my mortgage

[subprimevictim]

Please could anyone advise me on what to do next regarding this, as I seem to have run up against a brick wall.

 

I bought my previous property in 2000 with a mortgage from Southern Pacific.

The mortgage was redeemed in February 2004 when I sold the property to my son,

who also took out a mortgage with the same company to purchase it.

 

 

My son failed to make the mortgage payments and the property was repossessed about 2 years later.

I no longer have anything to do with my son.

 

Recently, I decided to try to claim back PPI from my earlier mortgage.

I no longer have any paperwork relating to that mortgage, as it remained with my ex - wife when we sold the property.

All I have is bank statements showing monthly payments being made to Southern Pacific,

with a reference number which I quoted to Acenden when I made my claim.

 

Acenden stated that they had no record of me ever owning the property or having a mortgage.

The only details they kept coming up with were my son's.

Despite explaining that I owned the property prior to selling it to my son,

and that my initials are different, they could find nothing.

 

 

Until a further phone call about 2 weeks ago when - at last

- they stated they had found my details and gave me an account number,

and promised to send my paperwork to the company dealing with my PPI claim.

 

Then a few days ago, I received a phone call from the claims company.

Acenden had sent them all the paperwork relating to my son's mortgage.

I then phoned Acenden again, who stated that they have no record of me and my son's details are all they have.

 

So back to square one.

What can I do next to prove my mortgage existed,

and have they committed a breach of the Data Protection Act

in sending out paperwork relating to my son to a third party?

 

Any help greatly appreciated. Thank you.

[dx100uk]

why are you using a CMC?

 

do it yourself for free

 

dx

[subprimevictim]

Yes I knew someone would say this, and I know it's a waste of money using a CMC.

 

 

I have reclaimed PPI myself many times in the past,

but this time I just didn't have the time to spend on filling in forms etc.

 

 

if the claims company cannot get any money back for me on this one, the chances of me being successful would be zero.

 

Does anyone have a reply to my query please?

[colin11]

I would have thought the first thing you need to do is send them a sar and see what information they do have on you

[subprimevictim]

Thank you - I will try that.

[dx100uk]

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=Southern+Pacific+ppi&sa=Search+CAG#gsc.tab=0&gsc.q=Southern%20Pacific%20ppi&gsc.page=1

[ThedaBara]

I would have thought the first thing you need to do is send them a sar and see what information they do have on you

 

They will probably say they only keep records for 6 years... that's the usual rubbish they spout when you are trying to claim PPI. TB

[subprimevictim]

Yes - they are saying that they only took over the Southern Pacific mortgages from a certain date and that mine is too old.

[ThedaBara]

Typical! My PPI with HFC goes back to 1986… you can't imagine what crap I'm getting, even though I have all the paperwork…! They are trying to get out of it & it's with the FOS now… I hope you sort it. TB

[dx100uk]

go read the ims21 thread on hfc

[ThedaBara]

go read the ims21 thread on hfc

 

Many thanks… I will have a look! TB