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J D Williams - PPI and failure to provide data

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We have a dispute with 50+ about the PPI on this account. It goes back a long way but basically, my wife noticed that PPI was on her account and had it removed. In light of the PPI situation we wrote to 50+ and said that since they removed the charges after our complaint they should repay the money.

 

50+ has admitted that the charge was put on and removed but has no information after 6 years as they have destroyed the info.

 

They have provided a copy of the contract which seems definitely dodgy, I will scan that in and maybe start a new thread.

 

I have asked for a certificate of destruction to prove the fact but they refuse to make any move over the account.

 

I have told them that I will be taking action but they have debarred themselves from any further communication. I have also informed the Collection agency (CCS) that we are still in dispute.

 

Where next? Can I go to the Data Agency about non-provision. Can I make life difficult for 50+, ('cos that's how I feel)?

 

The Baron


The Baron

 

"To sin by silence when we should protest makes cowards out of men"

~ Ella Wheeler Wilcox

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Hi

 

Have you put in a formal ppi mis-selling complaint using the fos consumer questionnaire? If not then that would be the way to go.

 

Have you sent them a SAR? If not that might be useful too.

 

Bear in mind that lenders tend to claim that they destroy records older than 6 years although we do know that some do keep older stuff. Consequently you may have a battle to get that older data if indeed it does exist.


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Thanks for the advice, I will take those steps and let you know how it goes. It seems strange though that they can provide certain information and not that which is requested


The Baron

 

"To sin by silence when we should protest makes cowards out of men"

~ Ella Wheeler Wilcox

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