I dont think the bank would be allowed to not take an instruction over the phone, pretty sure that would be against fsa regulations. Ive done a quick net search and their customer complaints unit is on 0845 602 5410. You could try give them a bell and see if they can help

You could try ringing head office up. im pretty sure they would have to log your complaint as a hardship one over the telephone.

Hi, I have recently sent a DSAR to Norton Finance for a loan that they arranged for me in 1996. Ive received a response from them to say that as their records show that the loan was arranges in 1996, and as they are not obliged to hold information for more than six years, and they are unable to complete my request. However, surely them saying that their records show the date of arrangement, is an admission that they still do hold information? I was under the impression that although banks are able to destroy information after 6 years, if they still hold it they still have to provide it under a dsar. Any advice would be very helpful so i can decide on a response.

I was sat on a bus earlier this morning when I was lucky enough to overhear a conversation between two members of staff from HBOS. I know this as they had HBOS badges on. It seemed that they must be involved in the department dealing with PPI reclaiming and they had some very interesting things to say. Should be a bit more careful i think! It seems that the FOS is starting to try and uphold PPI compaints regarding mis-selling on loans and other agreements taken out over 6 years ago. From what I could tell, this is for cases where the customer argues that they have only just been made aware that they could complain, because of the publicity, and the FOS agrees that the 6 years should run from that date, rather than the date of the mis-selling. The two members of staff started to discuss how the bank was trying to argue against this but unfortunately they got off soon after and i didnt hear much else. They did seem pretty resigned to it though. Not happy bunnies though as this is potentially very costly. If this is true it is definately worth a try if the FOS are starting to take this approach. Apologies if this is already common knowledge.

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I would not recommend this. The bank has eight weeks to look into your complaint and they are well within this timeframe. How is going to court going to help? Just wait and see what they offer and then make a decision. Rushing into anything will not speed the process up. Why not ring up to check the progress? Noone ever said that the hardship process would be easy. You should be prepared for only a partial offer of refund as i am yet to hear of YB settle in full for hardship. If you complain to Fos about the banks handling of hardship, all they will do is ask YB what they have done. They will explain that they have asked for your income/expenditure and they are now looking into it. Going all guns blazin is a bit counter-productive at this stage.

As far as I am aware, Yorkshire Bank close accounts if the account holder claims for a second time. They are dealing with hardship cases swiftly but as this is your second claim, they are likely to refuse you outright as the first payment will have been in full and final settlement.

The Yorkshire Bank have this week sent letters to all customers who currently have a claim for bank charges which explains that all cases are still on hold pending the outcome of the ongoing case. Your sister needs to do nothing as there is nothing she can do. Her claim is registered so she will have to wait for the outcome.

Yes the result of the test case means that it is very unlikely that banks will have to pay out on business accounts.

Yes you will have to wait, the courts do not take hardship into account so any court action will be stayed

I used to work for a bank and the amount of people who would cancel all their Direct Debits and standing orders for things like utilities and council tax BUT leave Sky TV was shocking. What an odd sense of priorities. I understand that banks are not sympathetic to those people who through a change of circumstances become overdawn and get into trouble and believe these people should have the right to get their money back. I myself have been in this situation as have friends and family. I have total sympathy with such people and I hope that the outcome of the testcase will stop this from happening again. But when i see people who over six years have racked up thousands and thousands of pounds in charges just through poor account management i think it undermines the arguments of the group i spoke of first. Poor bank administration can not be the case in every single instance of bank charges. I used to see people who would have a late payment free on their credit card every single month, where is the logic in doing that. The bank i worked for would send a letter each month with the statement advising to pay by direct debit in order to avoid this charge but people would still ignore it. Some people have just paid no attention to their accounts and now jump on the bandwagon slagging off the banks. It is these people who I do not sympathise with.

I thought it did not sounds likely that Clydesdale Bank would refund any money!

Please note that Clydesdale Financial Services are completely seperate to Clydesdale Bank and are not linked in any way

Hi, Im trying to reclaim my parents mis-sold PPI which was sold through The Home Funding Corporation back in 1996. They remortgaged their house through this company and the total loan including PPI was for over £20,000. At the time, they were not asked about pre-existing medical conditions and were told that without PPI they could not get the loan. Kidney Disease runs in the family so my father knew that at some time in the future his kidneys would fail and that the PPI would prove very helpful. ( He was told by this company). In 1998, they failed and he was forced to leave work and they got in to financial troubles. Ofcourse they went to claim for PPI and were told they could not due to the medical condition. This meant they were forced to sell their house and they have been in an appaling financial situation ever since. Now ive been looking through all their paperwork as i know it is harder to reclaim for PPI sold before six years. I have managed to find a document which details how much they had to pay at settlement, (When they sold their house in order to pay it off). This includes the account number and the total amount of the loan. It does not detail how much was the loan and how much was the PPI as individual figures but Im not sure if this matters? My parents say that the PPI was included as a lump sum in the total loan and they paid interest on it every month. Do they have a chance of being able to claim this back as we do have proof that this account existed or do we need to have proof of the actual PPI figure before we can? It would be great if we could as these guys really ruined my parents lives so would be good to get them back! Thanks

It is very likely that like what happened with credit card charges when they were capped at £12, charges will also be capped so you will only be able to reclaim the difference between what the capped figure is and what you were actually charged. I dont think anyone should get their hopes up that they will be able to get EVERYTHINg back.