Between 4th April 1996 and 1st February 2001 I had my first ever mortgage with the Halifax and also some sort of PPI, payable through loss of income, but I can't remember what it was called at that time, although it formed part of my overall mortgage payments. Due to the lack of information I had, I instructed a PPI claims company to act on my behalf, who contacted the Halifax and were advised that I didn't have any PPI. I wrote to the Halifax directly, asking them for my mortgage account number, transaction list, and details of the mortgage and insurance/payment protection policy taken out alongside my mortgage. They responded by saying that all account information about me was no longer held and therefore they couldn't provide the information requested. Does anyone know where do I stand with this please, as I really wanted to make a claim? Thank you in advance.

In 1998 I rented a property on a short tenancy of 6 months. I moved out in Jan 1999. I received a letter saying CT was owed and paid it (approx £287) by bank transfer ( I always paid that way). I heard no more until 2007 when they started chasing payment of CT owed I contacted council to find out what was going on as my new property account was up-to date. This is when I found out it was for the old property. Council claim not to receive the bank transfer made in Feb 1999 and proceeded with a liability order and then bailiff to trace me. The CT Bill was for the time I moved in in 1998 till April 1999 (9 months) even though I had moved out in Jan and had paid the full bill till April 1999 by bank transfer. I went to a meeting with council and had my tenancy papers and bank statement showing payment. They agreed to amend the bill to when I moved out. Remove any charges and look into the missing payment. They came back saying its so long ago they cant trace anything or find the payment on their records and I'm liable to pay the arrears as they have a liability order. Nothing more happened until now ... (5 years on) The Council still claim not to have received the payment and are now taking the money they say is owed from my ESA (£5 a week) without any notice or contact with myself. This has meant my ESA that went into my bank was less then I was expecting causing me financial problems. It may only be £10 but that not the point and means my budging is out the window.:mad2: Any suggestions on what to do next? As far as I can see I overpaid by 3 months (Jan to Mar '99) and now having to pay again...