Thanks for that BankFodder is there a letter template for this and who do I address the letter to would it be the Data Controller. Many Thanks TTS

Hi could do with some advice as to how to get this removed and dealing with this company please. It is my husbands account from Barclaycard opened around 1998/1999 anyway due to reduced income he ended up defaulting on the Barclaycard Aug 2000 and default was put on his credit file Feb 2001 balance is abt £1700 on the default. For a number of years this has been paid as a token payment to Mercers or Barclaycard in Jan 2013 this debt was assigned to MKDP LLP Balance now abt £1200 this is now where the problems have started. They ring our house abt 4 times a day on abt 3 different numbers I refuse to speak to them as we have found out from routinely checking my husbands credit report that they have put a default on there for this debt dated May 2009 total fabrication we have spoke to Experian abt this and explained that we have previous credit reports showing correct default date and the original default letter from Barclaycard they did contact MKDP LLP and they are refusing to remove it I do not want to contact this company so Experian have asked us to scan our documents to them so they can have a look at it for us. I do not as I have a few original statements here that there are charges on this Barclaycard account and PPI who do I now contact for the SAR and should I contact MKDP LLP regarding the default have not made a payment on this account for a few months now should I restart token payments. Sorry for the essay TTS

This is the questionnaire that my friend received http://www.mbna.co.uk/uploads/docs/PPI_Questionnaire.pdf

HI just a query my friend has received a letter off MBNA who have identified her as '' a customer who belongs to a group of customers who may of been mis sold ppi. Our records show that you purchased your ppi during a period when the sales issues we have identified may of occurred.'' There is then a questionnaire that my friend needs to send in she no longer has the account it was closed down abt 3 yrs ago as the card was no longer getting used and unfortunately have no details for it now whenever it was used the balance was always paid off when the statement was sent. They have given a pre populated date for the start of the ppi claim as 2006 on the form sent however they card was used from around 1998 onwards. Would I be right in helping her to write to MBNA asking for a SAR first so that we have some details to work on rather than returning the questionnaire. Would welcome some advice please. Many Thanks TTS

Hi all i am posting this for a friend who has a problem very old debt abt 5yrs 8 months old now getting harrassed by fpc I beleive that no payments have been made on this account for the time stated above. Original debt was abt £300 they are chasing her for nearly £1600 do i need to do her an CCA request first. Would welcome some advice please. TTS

ok many thanks will give them a ring tomorrow will let you know how i get on with it thanks ims tts

Who would i be best to contact as they have already sent her a letter saying they have no details i did write to the sar dept after she got this letter but they said they did not hold any details so i suppose i can take it no further for her. Many Thanks for your advice IMS TTS

i do have a sheet here off barclays as part of the SAR request called consent audit details and there is a change of consent the same date as the loan 1 was taken out in 1996 it says consent activity code c and then marketing consent witheld and then product code 0075 barclayloan protected and then the buisness unit identifier number and select postal. Is this any use ?? TTS

My mum is pretty sure that there would of been ppi on this as she took it out in the branch and she paid off the loan and 1 month later took out loan 2 for only £900 to clear her overdraft and they put on £81 ppi we did not get copies of the loan agreements in her sar should you ?

Hi IMS thanks for the swift reply all we have is the account number and the dates of the loan confirmed by barclays but in the ppi column they have put u meaning unconfirmed but they put this down for loan 2 aswell. My mum remembers taking out a loan as it was when she first moved into her current house it was to do home improvements as she has some cash off her mortgage as it was a cashback one so she was careful not to borrow to much because she was careful as she had not long got divorced. I have the monthly payments on her statements that they sent her from feb 98 - oct 99 but that is it when she got her letter re loan 2 she phoned them up and the guy on the phone said oh its bad news as we do not have any details for loan 1 !!! Can she go any further with this the amount she was paying roughly £70 per month x 36 comes to £2520 i have here the monthly payments and the monthly interest and i feel that barclays are being difficult cause they are setting a limit as to how far back they go. TTS

Hi just a query regarding a claim that i was dealing with for my mum. We sent a SAR off to Barclays in May 2012 and originally she was sent a summary of all her dealings with the bank and whether it had ppi on it we replied by saying that she wanted a full sar which she then received. I then helped her to fill in a FOS questionairre and a spreadsheet for one of the loans. Loan 1 was 1996 for 3 years and then finished and then loan 2 was taken out 1 month after loan 1 finished should of run for 1 year was repaid early after 5 months. Barclays have paid out on the loan 2 as the amount was only small and my mum has received the refund but we have encountered a problem with the Loan 1. She was lucky to get statements going back to 1998 however the loan 1 started in 1996 and was over 3 years so we only have a third of the information regarding payments made each month from the statements barclays have sent us they have said they hold no info regarding loan 1 ppi are they fobbing us off. Can an account be worked out from the figures i have here or is it game over as we have no paperwork to prove them wrong i suppose they dont want to pay out on older loans due to the amount of interest they have to pay on them. Advice please TTS

Just wondering if anyone has been successful in getting get info off barclays from 1996. TTS

Ok just an update my mum has still not received the rejection letter that she was told was going to be resent to her am i best contacting the sar team at barclays to request the statements previous to the ones that was sent in the original SAR the 8 weeks are now up and mum has had no written cinfirmation about the first ppi claim. TTS

Hi in 1999 i needed a new car not having a brill credit rating we went to associates capital after producing reams of paperwork and waiting ages we got a car apparently within our budget we were there for hours and totally fleeced into signing for an agreement with associates agreement in joint names with ppi ( in one name only) and mechanical breakdown. The agreement ran for 30 payments roughly £180 per month about £70 a month was just the insurances plus the interest we eventually voluntarily terminated the agreement. I have the account number, details off credit report and have done abit of research and am i right in thinking that i need to address my claim to the citigroup at canary wharf is this account too old to claim on as i can remember lots of details about the sale to put on the form and i have the total amount of the agreement from the credit report. TTS

Hi all i am currently helping my mum to claim against barclays she has 2 claims Loan 1 was 09/1996 - 09/1999 and a loan 2 was 09/1999 - 04/2000 it was not a rollover thay were 2 seperate loans. We requested an SAR she has had the account with Barclays since the mid 1980's and she received details going back to Jan 1998 so loan 2 was easier to work out and she has been paid out for this and it was also only a small amount as the loan was only small and paid off early. Loan 1 is proving more difficult when she received notification about loan 2 last week she phoned up Barclays about loan one as when we put in the claim we put both acoount numbers on one form she was informed that loan 1 had been unsuccessful and a letter was sent out to her on the 1 August which she had not received so the advisor said that he would get it sent out to her again she has yet to receive it he also said that she needs a policy number and we need to prove that there was ppi on it which my mum is pretty sure that there was the second loan taken out 1 month after the first was only for just over a £1000 but also had ppi on it. On the SAR that she received it give her info on the first loan from payments 17 - 36 she was paying about £68.00 per month and it was over 36 months mum thinks she possibly borrowed £1300.00 as she had just moved into a new house and received some monies off her mortgage as it was a cashback one. How likely are we going to be able to get the info back to 1996 will they hold it or are they just being difficult. Sorry for the long post Would welcome advise on this please Thanks TTS

scanned santander letter 24 08 2012.pdfscanned santander letter 24 08 2012.pdfok just an update on this thread i phoned the FOS as advised they were very helpful but did advise me that they would need the following info to progress the lady then advised me to contact santander again to get the name of who sold me the policy and the underwriter as they had mentioned that they were FSA registered in there last letter so i did this and received this reply off Santander on Sat morning. Does this mean that i can take this no further Would welcome yours thoughts on this thanks TTS

Thanks IMS will do that speedy reply as ever will keep you posted. TTS:-)

ok sent a letter to Santander and they have wrote back basically saying that they cannot investigate this matter any further i have attached the letters so its looks like i may be going to the FOS or is it worth trying the FLA first. TTS. original reply letter from santander PDF.pdf santander final reply PDF.pdf reply to santander letter PDF.pdf

just an update on this thread could so with some advice with this one as it is for a friend of mine they would like to reclaim ppi on debts that they had put into a debt relief order in 2010 and it was finished in 2011 it is only from me talking to them that they now realise that could possibly have a case for a claim as one of the debts the oh did not even know that he had ppi on it the DRO is now all done with so if we SAR the OC for details will any reclaim go off the debts that were in the DRO if i had known them when things were so bad i would of helped them to claim all charges and ppi before things got to this situation. TTS

also because they know that the dealer is longer trading i feel that it is a general fob off from them time to fight again not been on for a while as not been well so i need to get on the ball again. TTS

thanks for the speedy reply ims so on my agreement it says hire purchase agreement regulated by the consumer credit act 1974 so i need to challenge them further as i reallt dont want to go to the fos as it takes to long. Will go and do some research i think and put together a short and to the point letter. Thanks again ims TTS

Hi everyone just an update on this thread i wrote to Santander who now own the GE bit of motor finance and i got a reply back basically saying ''they have investigated my complaint fully and from the issues that i have raised and found as that the sale of the policy was conducted by the motor dealer from whom we bought the vehicle, it was their responsibility the ensure that the sale was handled correctly. Therefore any issue surrounding the slae of this product should be raised with them. Whilst the dealer is responsible for addressing the complaint, we are concerned by allegatiuons of improper practices by any of our approved introducers and we have therefore noted your complain on our records for this dealer. and they then go on to say if i am not happy with this response i can refer the matter to the fla or the ombudsman within 6 months of the date of this letter. So could do with some advice please i think i would probably be best just to go straight to the ombudsman however it does not state that this is their final reply they had my complaint letter, fos questionairre and spreadsheet only 5 working days before i got the reply above so i think it may be a standard get lost letter. Would be grateful for advice. TTS

Hi dx no this claim was not RBS loanguard it was a lombard direct loan insurance with front loaded ppi it was called classic loan payment protection (LLP) insurance. TTS

Hi just an update my mum's cheque arrived this morning and has been paid in just need to get her tax back now as RBS have taken 20% off her at source which i believe i can do by using a R85 form. This has come at the right time for her as she does not get he pension till early next year and things were getting a bit tight. Many thanks for all the great advice on here, hopefully mum will make a donation to the site could someone update the thread title for me. Have just posted another 2 claims for her so will start new threads. Many Thanks TTS

Hi lombard have not been that bad to deal with although my mum is still waiting for her cheque which when we rang last week she was told it had been sent 2nd class on that monday so as soon as it is here i will update this thread. TTS