Hi everyone,

Total newbie - haven't used forums before but hoping to get some advice.

Around 20 years ago I had a Providian credit card - I had to give up work due to illness and fell into arrears.

I owed around £500 but with no income, couldn't pay so the debt was handed over to a company called Capquest.

I saw a financial adviser at the time and he contacted Providian on my behalf

- primarily to get the interest being added to the account stopped, which initially they refused to do but then it was stopped and the debt was passed to Capquest.

The adviser arranged a payment plan with Capquest of £5 per month, which was all I could afford.

I did have "Payment Break Plan"

- never really understood what this was but was told I should take it out when I got the card

- I felt that if I refused I wouldn't get the card so agreed

I never heard anything more about it until Saturday when a letter arrived from Barclays

- it says they have identified potential issues with PBP that I was sold and they want to invite me to complain if I think I was affected.

There is a long questionnaire of 11 pages to be filled in and sent back

- much of what they are asking I really cannot remember

- why I took the card out in the first place, date I took out the PBP, details of where I worked including company name etc.

Whether I was paid for being off sick, if I had any health problems when I enrolled in PBP, detailed explanation of why I think I might have been mis-sold PBP.

I don't have any details of the account now - it's 20 years ago!

I do not have any statements

- all I have is the correspondence with Capquest

- last contact with them in 2007.

Do you have any advice on what I should do please?

urm..Providian cards didn't have payment break plan AFAIK..but Monument cards did...

so I dont think BC really have a clue here.

I would not be using / returning this letter/questionnaire at this stage

send them an sar

get all the info

then we'll go from there.

I would also send an SAR to your financial adviser or the firm that he/she worked for and you may as well send one to Capquest too

ok reviewed my notes...

Providian were taken over by monument, who were then merged into Barclaycard during a later buy out.

so, it could have been that monument added PBP later not at inception, which is why you knew nowt about it.

PBP is quite easy to reclaim..

but get all the info first.

Thanks dx and BankFodder - I believe Monument took over Providian from what I have been able to find out since I got the letter....and Barclays now owns it.

What is a SAR and how do I do that?

Thanks for the update dx....I will do that.

Thanks.....have the SAR template now. Will let you know.

Make sure you check with us about the amount of money they are prepared to refund you you before accepting anything

Thanks Andyorch.....I did look at that page but dx said not to fill in the questionnaire at this stage.

I have read all the SAR info but not sure whether I have to pay? Should I send a £10 cheque with the Barclays SAR?

sar is now free

hit sar

dont forget CTAX bill copy if you have moved since taking the credit out

dx

thread title updated.

Quick update - just to say I have sent SAR to Barclays and another card I had a form of PPI with. I will update again once I receive a response. Thanks for the advice.

Update - when I sent my SAR I gave all the personal details Barclaycard could want - the jokers have written back saying they cannot process my GDPR without a list of personal details, all of which they were given in the original request. Have written a very curt response!

I sent my SAR request back at the beginning of December - I received a request at the beginning of January for information that I had already provided but sent it again by registered post. It is now six weeks since that was sent but I have heard nothing and Barclaycard have failed to send any information regarding the SAR. Where do I go from here?

ring and ask?

Thanks....didn't really find that very helpful. I was looking for info as to the next stage in procedure rather than just "ring & ask!"

For anyone else in my position looking for helpful information - I decided to contact the ICO - the next stage is to send another letter giving them 14 days to comply with the SAR request - if they don't, formal complaint to the ICO. There is a template letter available on the ICO website if anyone needs to do this. Will let you know how I get on.

Well once you'd check with the recipient that would of been the next advice yes.

Id ring and ask them first IMHO.