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Hello, I've found that I had kept every bank statement from mid 1980's to 1998 with Nat West. I had a couple of mortgages, several loans and what appear to be excessive bank charges, I will send an SAR, but it is likely that I have more information than they hold, unless they're very good at archiving. During the course of reading each one I found various bodies who had received money regularly from me, but I don't have a clue who they were/are, some seem to be directly connected to the bank account. I would appreciate any help with identifying the following, I have tried googling but haven't had much success.:- MSD Premium Funder. Forward Trust. Lombard Tricity. Fredrickson IN Ltd. Bishop Court IBA. Bradford Insurance.
When moving house recently i came across a file detailing every statement for a credit card I had in the late 1990's that went into default, eventually leading to a CCJ that took me years to clear. Thankfully I was able to clear it, but at a fairly hefty cost. As a result of the CCJ, the collection agency the debt was sold to by HFC (now HSBC), TBI Financial, added all the interest right up until judgement, and right up until it was paid in full, some four years after judgement in 2007. Thankfully, because I contested some of the charges at the time, TBI were asked by the court to provide evidence of the agreement as well as statements. Copies of every transaction and charge were also forwarded to me. Just before i was about the shred and dispose of all this documentation, I noticed, when glancing at the statements, that I had been paying PPI throughout the time I had the credit card and a large percentage of the CCJ would have been made up of the PPI payments, plus all the interest on this. I know I can lodge a complaint to try and recover the PPI as I believe it was mis-sold at the time as I can remember being told that I would be more eligible for the credit card if I signed up for PPI, even though I was on a fixed term contract at the time. However, I'm sure HSBC will reject it on the basis that they do not keep records dating that far back, plus I suspect that as they sold the debt to TBI, all paperwork would have passed to them. My question is, as I have copies of everything, can I use these assuming the claim is rejected? or is this actually too old to lodge a complaint on in the first place. Any advice would be much appreciated, especially on how to follow this up. Many thanks.