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Hello, my first time on this forum, so please forgive any newbie errors!

 

I just wondered if anyone could advise me how to obtain details of older loans and microfilm transaction histories from Natwest bank.

 

I called their PPI helpline and they said my loan from 1988 was not on the system.

 

The local branch cannot find any record of it,

so I referred it to the ICO and

 

then I was sent statements back to October 1992.

 

Unfortunately, I repaid the loan sometime early in 1992 so nothing showed up on these.

 

I have read about other users on this forum who have managed to get information from a lot earlier than October 1992,

which may have been stored on microfilm/microfiche,

 

how do you find that?

 

Someone mentioned the Natwest Customer Lending Centre,

 

how do you contact them?

 

I'd be really grateful if anyone who has some expertise or experience in this area could help. Cheers

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Hi

 

Yes some have been lucky in getting old data.

 

Be aware though that the bank do not have to hold records for longer than 5 or six years after it has been paid off so you may not get anything.

 

You could try a Subject Access Request (SAR) to see if they have anything but it could be a long shot for a loan of that age.

 

Template for SAR is in the CAG library, the link to which is at the top of every CAG page in green.

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Thanks for the reply, already done a SAR, that's how I, eventually, got hold of statements from October 1992.

 

It's the microfilm or microfiche transaction histories from when the account opened that I'm trying to find now.

 

I've read lots of stories about other customers finding this type of data from different banks including Natwest.

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Did you try a "Failed SAR" letter and tell them what you consider was missing.

 

I would think that is the way forward.

 

It is possible to sue for non compliance to force them to give you missing data.

 

However, as said, given the age of this one it may be an uphill struggle with no guarantee of success.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thanks for the suggestion, by failed SAR do you mean complain to the ICO? I tried that and they managed to get Natwest to supply bank statements back to October 1992. Its the microfiche records that the bank haven't provided, they won't say if they have been searched or even admit if they exist. Why?

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There is a letter for a failed SAR in the CAG library.

 

You now say that the ICO has had a look at this? They should be able to force disclosure if the records exist.

 

Have you asked the direct question of Natwest as to whether they exist and required a yes or no answer?

 

All you can do is keep up the pressure with Natwest and maybe the ICO too.

 

Always bear in mind that these records may bo longer exist...they may have legitimately destroyed them.

 

You could ask for the certificates of destruction but whether they will let you have that is again another matter.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thanks again for your quick response.

 

I'll have a look at the failed SAR example.

 

I will ask the bank for a direct answer to the microfiche question.

 

My account has been in use since the mid 1980's and I understood they did not destroy your data unless you closed the account?

 

Is it possible that they might destroy some customers data and not others, or would all live accounts be treated the same?

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