Blackhorse ppi claim

[lorrainep]

Hi I wonder if u could help me

 

I have put in a ppi claim against black horse and

 

got a letter back saying they couldnt find my details.

 

I have also been in the bank today and

 

they said they can only pull up information on my account for the last 6 yrs.

 

But we had the loan between 2003 to 2007 .

 

What I would lije to know which way do I go now please thanks

[Escritor2013]

Hello Lorrainep

 

I'm just setting off on my battle with Blackhorse. Do you have any original paperwork from the loan at all or was that the whole point of your SAR to them (assuming you have sent a SAR)?

 

I'll bein a similar position because my last payment on my loan with Blackhorse was 28th March 2008. So my SAR went off 3 days after 6 years. I'm sure I've seen other threads on CAG where people have had different answers from Blackhorse once they send a 'failed SAR' letter.

[lorrainep]

Hello Lorrainep

 

I'm just setting off on my battle with Blackhorse. Do you have any original paperwork from the loan at all or was that the whole point of your SAR to them (assuming you have sent a SAR)?

 

I'll bein a similar position because my last payment on my loan with Blackhorse was 28th March 2008. So my SAR went off 3 days after 6 years. I'm sure I've seen other threads on CAG where people have had different answers from Blackhorse once they send a 'failed SAR' letter.

 

 

Thanks for this but what is a sar I sent ina ppi questionnaire which I downloaded but I have gone through my house and cant find the paperwork

[Escritor2013]

Have a look at this thread / link here http://www.consumeractiongroup.co.uk/forum/showthread.php?118145-Full-SAR-for-ppi%281-Viewing%29-nbsp

 

If you just sent the questionnaire they might have tried to look for the original agreement or might just have considered the info in the questionnaire on it sown. At least with a SAR (link above) it will give you knowledge of whether they have information or not (original agreement, statements etc).

 

I've seen numerous reports on CAG of one department saying "...sorry we don't have any info..." an another department in the same company, via a SAR providing lots of info (statements, CCAs etc)

[dx100uk]

sadly this is what you get if you put in a 'speculative' claim for PPI

 

without doing your research first.

 

the company will see you actually have no documented proof.

 

so they'll reply with the speculative answer...they have no info.

 

they'll now shread all your statements etc etc

 

and when you SAR they'll say its outside of 6yrs to hold documents.

 

ALWAYS GATHER INFO FIRST before you tip the company off you want the PPI back.

 

try an SAR, you might be lucky.

 

dx