lost first national vehicle finance agreement for ppi refund

[stuartves]

Hi,

this is the first time I have posted and would really appreciate some advice. My name is Stuart and have two questions. I am looking to apply for ppi refunds but I require certain information to proceed which I haven;t got.

 

1. I took out a vehicle finance agreement in 1999 with first national. The vehicle cost around £9000 and the account has been settled for years. Although I no longer have the agreement I do have a bank statement with the date the first payment was made. I can't however find any details for First National and need to know how I contact them and will they still have these records?

 

2. I also had a small business account with HSBC from 1998-2004. They have recently agrreed to pay me ppi payment on the account, but I also had several credit cards through this account and I no longer have the card numbers to try to get a ppi refund on them also. I used them to run my business and paid them in full every month around £600-1000 a month. I believe they took ppi payments from these cards and need get the numbers to proceed. Will the bank provide this information.

 

Thank you and any advice will be extremely appreciated

[ims21]

Hi and welcome

 

First National were taken over by GE Money I believe. You may have trouble getting a copy of the agreement due to the passage of time. Lenders only need to keep data for a period of six years following the date of closure of the account. You could try a SAR (Subject Access Request) but personally I doubt whether they will have any records now.

 

Template for SAR is in the CAG library, the link to which is at the top of every CAG page in green. Cost is £10 and they have 40 days to comply.

 

As regards the credit cards, if you paid them in full every month then there would be no PPI charged as there was no balance to protect.