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I am trying to trace a cheque (circa £25,000) sent to me by Prudential in 1998 which I do not remember this being received. This has become a prolonged dispute and the only way I can prove this is by seeing a statement from my bank ... I have only had this one bank ...Midland/ HSBC.
Don't ask why this has not been questioned before this date ... !!
Its a very long story.. I appears that only a confirmation from my bank willsuffice.
No this was not suggested to me !!
How do I do this
Having written and phoned would it be easier to go through the Ombudsman...
I'm back. Wrote to my Bank and they have replied 'Unfortunately we were unable to action your request as we do not hold any information prior to 6 years due to the Data Protection Act'
Summary received from Insurance co: 'The maturity cheque was sent to your home address.. my records confirm this cheque was never returned to us as undelivered or as uncashed..no evidence the original cheque was ever flagged as unpaid during regular cheque reconciliation cycles'..
This cheque was evidently sent to me but not checked through to its final 'resting place' ... my bank. No communication at all was ever made to check this had arrived safely..and then after 6 months was just cancelled. The 'follow-up' has only occurred recently because of a query as to whether or not I should have been sold an endowment policy or not...this was upheld sufficient funds etc were made and this added up to in excess of the mortgage... ..we carried on paying our mortgage until 2011 when we paid a redemption sum of circa £15,000 ... I think that is another story!!
That was what I had asked for. In an earlier endowment (1997) settlement they could detail this right through to my Bank....His conclusions are that the cheque was cashed as intended, or that the cheque was intercepted and cashed before it reached you. If you believe that latter is a possibility then you must visit your local police office to raise this concern to them and obtain a crime reference number from them. .... I can pass the file to our fraud dept...for further investigation....... we only keep information for 7 years etc... However he had provided me with details from beginning to end on the previous policy. My situation is should I continue with the Ombudsman with this matter or not..