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Hello,

 

Looking for some advice on a claim against an old Alders store card that Creation finance took over.

 

My card was between about 1996 - 2005, however after sending a SAR to Creation finance they have responded with the following:

 

"We can not provide you with a Data subject access because the account is closed and no longer active. We are no longer holding details of your client on our records.

You will appreciate that documents request under section 7 of the data protection act 1998 cannot be supplied, however I can provide all available statements from March 2004 to November 2005"

 

 

- Is this information correct that they are telling me as they have cashed the £10 cheque that I sent them for all records?

- On the statements that they provided it only states Interest charged at 2.00% per month - does this mean that no PPI was charged to this card?

 

Thanks for your assistance

 

Jon

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If the account was closed more than six years ago then they may well have limited (or in some cases) no information.

 

If you were paying PPI then it would feature as an individual amount on the statements.


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Thanks for the advice, I will put this one to bed now and concentrate on the other lenders.

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Further to the above Creation were not under FOS until 2005. Your only option would be with the underwriter.

 

To see how tricky this is just read some of the Santander/GE Money threads.

 

No paperwork, no definite PPI, no underwriter name or policy.

 

With this in mind sometimes the best course is to chalk it up to experience. Even the SAR wasnt wasted because as the scandal draws to a close least you will know there wasnt much chance of anything on this account.

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