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Advice please on SAR request and old PPi - NatWest Credit Card debt


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Hello

 

I requested SAR on NatWest credit card - they sent me copy statements for the last 6 years

and a few typed notes going back a couple of years. That's all. I have been making nominal payments.

 

Trouble is I want to see older information to clear up some queries I have in my mind - namely PPi and why I was paying a fixed amount each month some 5 to 6 years ago - e.g £40 per month - BUT they charged interest of £26! I was in financial difficulties at the time. NatWest say I did not have ppi when i TOOK OUT CARD - but cant provide copy of application form. How can I trust them?

 

Are they obliged to provide this older information? Or can I raise specific queries?

 

Any advices greatly appreciated.

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So how far back have they gone ? It is very difficult to know whether it would be worth you either making a complaint to the Information Commissioner or start your own court action for non compliance of any data older than 6 years.

 

They are supposed to keep financial data for 5/6 years after the financial relationship has ended. But they will say they dont keep it longer than 6 years.

 

Is there no reference on your statements to PPI - if a credit card, then it should be shown as a separate entry. Is the account still live ?

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

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4: Staying Calm About Debt  Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You would need to make a separate CCA request (enclose £1.00) in order to obtain a copy of the agreement. However, they might not have that either ??

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hello

 

Yes I have asked for copy of credit card agreement started 1997. They state they do not have a copy.

 

I am currently paying £1 per month - £1300 to go! The default ends May 2013

 

I want to see the statements for the years 2000 to 2006 and what arrangements were entered into to make the fixed payments per month back in 2006 to 2008 - also I am sure that I had ppi - although Nat West Insurance services say no. I was seriously ill at the time and cannot remember all the details.

 

I am getting fed up with the whole thing its been draging on for years!

 

Advices appreciated.

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