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    • Hi Lolerz Thanks for replying to me, yes I've been ignoring her & will continue to do so. All she keeps saying is they want to come up with an amicable settlement. Keeps saying this to our receptionist she shouldn't be saying this to a receptionist or even me in the first place as they have given no proof of anything no IP addresses noting just keeps saying about an amicable settlement.
    • If a DCA supplies a reconstituted copy of the CCA what would be the next step? It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.
    • you'll never find a court open on a w/end MB. all courts are closed Good Friday and Bank Holiday Monday. However as Andy points out, that does NOT mean you get 2 extra days to file, you get one, same as xmas/new Year. UKPC have not filed their, so no rush on yours as dave says.  
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I have no account numbers for my old loans and credit cards can i claim ppi back


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Hi folks im looking to claim back ppi on some loans and credit cards but dont have the account numbers. Ive got a credit report but that only tells me the last 4 number sof the account number and the companies are wanting the full number. Can anyone help me with how i get the full numbers?

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Hi bleasy

 

Welcome to CAG

 

Send them a SAR request as you will needs statements to work out the interest they owe you. SAR template can be found in the library. You only need to provide your name and addresses, they will provide all the data on your accounts.

Send a SAR to each organisation.

Have a read of 1,2 and 3 in my signature.

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Yep, but this could depend on how much info Halifax provide, I doubt they will provide info from that period, but if you had statements handy from that date then it wouldn't be an issue.

 

thats great thanks, how far back can u claim? i had a loan with the halifax from 1998 till about 2003 can i claim on that one?
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no ppi number im affraid only bank statements and it just says standing order - halifax personal loan, so i dont think i will be able to get anywhere with it

 

SAR them and see...you never know, you might be lucky

 

ims

 

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  • 4 months later...

I have tried to get my data back from the Clydesdale Bank via a DPA request but they returned my £10 (after taking it out of my account) and have said that they have no record of any accounts that I held. My last communication with them was in July 2006 telling them to close the Credit Card. I did not put my card number on the letter. Are there any other ways I could find this information? I am certain that I had PPI on my credit card which I had from 1995-2006. I also had a dispute with the Clydesdale Bank which I won after going to the banking Ombudsman however that was in 2000.

Nedless to say I do not have any of my account numbers or credit card numbers.

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Hi Bleasy

 

I have recently had a successful claim on a Halifax loan dating back to 1997 so it's worth a try. Like you, I had no paperwork or account numbers and was entirely dependant on the SAR results to pick out the PPIs to claim.

To their credit, of the half dozen SARs I sent to different banks, Halifax came back with the most comprehensive bundle, including copies of all my loan agreements dating back to the early nineties.

Halifax also settled a claim relating to credit card PPI that I found in the same SAR and the settlement amounts they offered on both claims was almost twice the amount I was claiming!

 

Brett

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  • 2 months later...

Just a quick note. If you cannot find any of your old numbers etc. but are sure you had PPI on them, then send a letter to the CEO of the bank with all the details you have. This will get something done about it double quick. I now have the credit card number I had long lost and the bank had previously told me they had no information on me. Just a bit of helpful advice.

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Yep, getting the CEO involved normally does the trick if you can get past the minions intercepting the mail and firing off standard responses to complaints. Great news that you have managed to dig up the account number and good luck with your claim!

 

Brett

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  • 3 months later...

Hi,

 

I had an Egg loan probably ending around 5 years ago (maybe a bit more, I'm not sure), I don't have any account info for it at all. I remember having a phone conversation with someone who said I could only apply for the loan if I took out PPI on it. I had a credit card with egg at the time, which is now a barclaycard, I have all of the details from that, even though its a closed account, would these details help me at all? I've tried phoning the company who took over Egg's loans, but they only have records going back 3 years, so they gave me another company's phone number who told me they didn't deal with Egg loans. Does anyone know what the contact details are for old egg loans?

 

Any help would be greatly appreciated, I tried to do this before christmas, but didn't really get anywhere with it, so gave up, got a bit of time now so thought I'd give it another go.

 

Thanks!

Katie

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