Discussion
Anyone remember Household Mortgage Corporation and the adverts with Barry Norman?
My first mortgage (1987-1995) was with HMC, and following stories here of people who didn't know they had PPI but actually did, I thought I'd enquire.
HMC went into liquidation last week and Grant Thornton referred me to GE Money who are dealing with claims.
Yesterday I got this e-mail from them:
Secondly, they ask for details but then say they are closing the case - a case of careless copy/paste surely?
My first mortgage (1987-1995) was with HMC, and following stories here of people who didn't know they had PPI but actually did, I thought I'd enquire.
HMC went into liquidation last week and Grant Thornton referred me to GE Money who are dealing with claims.
Yesterday I got this e-mail from them:
GE Money Servicing said:
Thank you for contacting us about your Payment Protection Insurance (PPI) policy.
With the information you have provided, we are not able to identify a GE Money account for you. In line with the Data Protection Act, the records relating to your account may have been securely destroyed if the loan was closed more than six years ago.
Please send us a copy of your original agreement or any documentation you may have relating to the sale, to enable us to review the complaint you have raised.
If you are able to provide any documentation, to ensure there is no further delay to your complaint we will need to verify your authority and confirm your current address. To enable us to complete these checks please send us copies of the following documentation:
Signed copy of identification page of valid passport or
Signed copy of a valid driving licence and
A utility bill at your current address which is not more than three months old
As we do not have sufficient information to respond to your complaint we will be marking it as closed on our records.
If you have any queries regarding this or any other matter our Customer Services team can be contacted on 0345 070 4299. We are open 9am to 5.30pm Monday to Friday (excluding UK public holidays). You can also write to us at GE Money Home Lending, PO Box 912, Newport, NP20 9PB.
Yours Sincerely
GE Money Servicing
This raises two issues for which I'd appreciate your thoughts before approaching them. First, I may have binned correspondence from that long ago. If they have binned their records too, (a) are they allowed to, and (b) is that the end of the matter?With the information you have provided, we are not able to identify a GE Money account for you. In line with the Data Protection Act, the records relating to your account may have been securely destroyed if the loan was closed more than six years ago.
Please send us a copy of your original agreement or any documentation you may have relating to the sale, to enable us to review the complaint you have raised.
If you are able to provide any documentation, to ensure there is no further delay to your complaint we will need to verify your authority and confirm your current address. To enable us to complete these checks please send us copies of the following documentation:
Signed copy of identification page of valid passport or
Signed copy of a valid driving licence and
A utility bill at your current address which is not more than three months old
As we do not have sufficient information to respond to your complaint we will be marking it as closed on our records.
If you have any queries regarding this or any other matter our Customer Services team can be contacted on 0345 070 4299. We are open 9am to 5.30pm Monday to Friday (excluding UK public holidays). You can also write to us at GE Money Home Lending, PO Box 912, Newport, NP20 9PB.
Yours Sincerely
GE Money Servicing
Secondly, they ask for details but then say they are closing the case - a case of careless copy/paste surely?
GE will have at some point bought the HMC book and are now dealing with the fall out which they are naturally not going to be too enamoured with.
They can delete records once they are six years old, we don't, but legally you can after six years...........which they are likely to have done knowing the storm coming their way from their HMC inherited clients.
Therefore, they are bouncing it back to you.......the onus is on you now to evidence your HMC mortgage and the PPI sale.........
They can delete records once they are six years old, we don't, but legally you can after six years...........which they are likely to have done knowing the storm coming their way from their HMC inherited clients.
Therefore, they are bouncing it back to you.......the onus is on you now to evidence your HMC mortgage and the PPI sale.........
An excellent summary!
Despite a thorough search I can't find anything here with HMC on it.
I phoned the solicitors who acted for me on the purchase; they destroy records after 15 years but suggested the Deeds might have the data.
Is it possible to get a copy of the Deeds of a house I no longer own?
Despite a thorough search I can't find anything here with HMC on it.
I phoned the solicitors who acted for me on the purchase; they destroy records after 15 years but suggested the Deeds might have the data.
Is it possible to get a copy of the Deeds of a house I no longer own?
Simpo Two said:
Bump - would Land Registry have anything useful in this respect?
I guess the Deeds, if they mentioned of my period of ownership and the charge HMC had on the property, would not make mention any PPI. Correct?
If so that's the end of the trail!
I guess the Deeds, if they mentioned of my period of ownership and the charge HMC had on the property, would not make mention any PPI. Correct?
If so that's the end of the trail!
You'd need to speak to a conveyancer I would have thought...........I'd imagine there may be a record of who held the charge for those years.......there certainly would be any reference to the details of the mortgage or PPI.....
Sarnie said:
You'd need to speak to a conveyancer I would have thought...........I'd imagine there may be a record of who held the charge for those years.......there certainly would be any reference to the details of the mortgage or PPI.....
Ta - did you mean 'would' or 'would not'?Can any conveyancer do this - and how would he begin to find out where the documentation is?
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