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Hello

I know I had taken out loans when younger to buy car /bike but was long ago 1989 to 1994

 

No longer find any paper work

 

I had made note occasional in my diary those years when needed and put them on to outlook on computer

 

Some of the events

02/05/1990 Mercantile £4K , 5yrs protected £127.84 Premium £17.10

16/02/1992 £9,500

7/1/1992 £2500 , 4yrs £133month

I even have the dates that contacted bank about my direct debits

dates when i took the loan paperwork into Manchester

My notes state I even had letter from their solicitor when had few issues but made no note who they were

I eventually paid all loans off several years later

 

I found out that Mercantile was taken over by Barclays

 

So I filed for complaint on 11 July 2018 this year with my old address, dob , and the 3 dates referring to the loans

 

I have received letter 3 days later after calling them by phone with 4 ppi references to use instead of complaint reference.

 

Cannot find any loan under my name , address , dob

 

Sorry with finding your account we cannot investigate so my complaint is closed.

 

Called them today and explained my outlook notes , they have asked for that list to be sent.

 

Stated that they only keep records 6yrs , so am curious how do I make claim and prove when i have all these dates if internal records are just 6yrs.

 

Am I correct to assume that successful claims seems to be actual statement or loan account details

 

Even call credit group checks don't have my old original address

 

Do I give up ? What else can I try , I feel sending my list in wont help if they cant even find my name and address

 

Help and info appreciated

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If they hold information back to 90's

 

What should I do even they said cannot find my details.

 

I guess they are expecting me to provide proof the avoid any pay out ?

 

Can I use an SAR and submit £10 cheque without any account numbers , or am i wasting my time because the response be the same with Barclay via PPI complaint.

 

Do Lloyds bank keep statements that far back on personal accounts?

 

Would I be best contacting someone directly at Mercantile/Barclays instead of complaing with those dealing with it by letter

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Ah so you've not actually made an SAR yet

Its a legal requirement they comply...

 

Just sent a speculative letter/claim?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I just called them up on my text phone because i am deaf and asked to make ppi complaint

 

Gave them name, address , DOB and those 3 dates when i thought i had taken out loans .

 

And they replied back with in few days saying they could not find any details.

 

Can I send SAR template without account numbers details ?

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what if you dont have cheque how do i send them £10 ?

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Its free now

Click SAR


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Little confused

 

I have Copy Of my credit file from Callcredit that I get 2yrs ago which has about 50 pages

 

lists my present address from 2008 to 2014

lists my other address 1993 to 2007

but the address for the loans at my first address is not listed , my credit file pre 2007 WHO has this info?

 

This credit file is this what you call SAR ?

 

But my address from address from when I was born till i took out the loans with Mercantile/ Barclay late 80 early 90's is not listed on the file

 

On this credit file I have noticed no details anything connected to my address from 1993 to 2007

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A crf report is not an SAR

Click it go read it

Old stuff drops off your credit file


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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