How it works
Typically lenders claim to only have to retain records for up to six years after an account has been closed however, this isn’t the case. We specialise in PPI and can recover your bank records from as far back as twenty one years.
The majority of PPI companies in Scotland will claim that they’re capable of obtaining your financial records from as far back as ten years. They’ll also tell you that they can check for contracts that were sold with PPI without there being any account details. This is done through a mini subject access request where the information will be received from the lender for either no cost or a small fee of £2.00.
A mini subject access request will generally disclose if a loan had PPI, when it was taken and when it was repaid however, no documentation is recovered by or from the lender during this process which of course is essential when a claim is being presented to a lender. Instead of doing a mini subject access request, our team obtain a full subject access request which will give us the rest of the documentation that we need for your claim.