Loan query: no record of loan

Gamba · 15th March 2010, 14:03

Hi

On my credit file autolinker.com autolinking image

I have info on a loan. However only the last 4 digits of the account is there plus payment start/end dates. I have sent off this info requesting PPI autolinker.com autolinking image

from the Bank (I know I took out PPI) but the Bank has said that they hold no info on the account.

I have not issued a Subject access request autolinker.com autolinking image

but am worried that it's gone walkabout..

Any ideas how to proceed?

Thanks!

Gamba · 15th March 2010, 14:04

sorry - to clarify, meant that even if issue a Subject access request autolinker.com autolinking image

they won't find the info.

dx100uk · 15th March 2010, 14:22

oh yes they would

Subject access request autolinker.com autolinking image

them.

dx

Gamba · 15th March 2010, 14:34

OK - so do you think it's just a fob off?

dx100uk · 15th March 2010, 14:47

yep

and i bet they say they have destroyed records as its past 6yrs.

limitiations act sec 32c will there fore apply.

dx

Gamba · 15th March 2010, 15:45

But are they not meant to retain records for 5 years from the date there was a last transaction? Last payment was made in Oct 05 so the five years is not up. First payment was made in Sept 04.

dx100uk · 15th March 2010, 16:25

Quote:

Originally Posted by dx100uk

yep

and i bet they say they have destroyed records as its past 6yrs.

limitiations act sec 32c will there fore apply.

dx

sorry wrong thread,

dx

15th March 2010, 14:03	#1 (permalink)
Gamba Basic Account Holder Help the CAG!! Download our toolbar Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Aug 2009 Posts: 58	Loan query: no record of loan Hi On my credit file I have info on a loan. However only the last 4 digits of the account is there plus payment start/end dates. I have sent off this info requesting PPI from the Bank (I know I took out PPI) but the Bank has said that they hold no info on the account. I have not issued a Subject access request but am worried that it's gone walkabout.. Any ideas how to proceed? Thanks!

15th March 2010, 14:04	#2 (permalink)
Gamba Basic Account Holder Help the CAG!! Download our toolbar Give yourself a better chance with our claims guides and litigation kits Cagger since : Aug 2009 Posts: 58	Re: Loan query: no record of loan sorry - to clarify, meant that even if issue a Subject access request they won't find the info.

15th March 2010, 14:22	#3 (permalink)
dx100uk Platinum Account Holder Help the CAG!! Make a donation Worried about companies stealing your signature? Use our new digital signature service Cagger since : Dec 2006 I am in: a sort of fire-fighting role here. Hate HFC & their PPI rip-off's - also PPI reclaims calcs. Posts: 9,741	Re: Loan query: no record of loan oh yes they would Subject access request them. dx

15th March 2010, 14:34	#4 (permalink)
Gamba Basic Account Holder Help the CAG!! Download our toolbar Protect your signature with SignGuard Cagger since : Aug 2009 Posts: 58	Re: Loan query: no record of loan OK - so do you think it's just a fob off?

15th March 2010, 14:47	#5 (permalink)
dx100uk Platinum Account Holder Help the CAG!! Make a donation Protect your signature with SignGuard Cagger since : Dec 2006 I am in: a sort of fire-fighting role here. Hate HFC & their PPI rip-off's - also PPI reclaims calcs. Posts: 9,741	Re: Loan query: no record of loan yep and i bet they say they have destroyed records as its past 6yrs. limitiations act sec 32c will there fore apply. dx

15th March 2010, 15:45	#6 (permalink)
Gamba Basic Account Holder Help the CAG!! Download our toolbar Protect your signature with SignGuard Cagger since : Aug 2009 Posts: 58	Re: Loan query: no record of loan But are they not meant to retain records for 5 years from the date there was a last transaction? Last payment was made in Oct 05 so the five years is not up. First payment was made in Sept 04.