will check it again.. can you please show me how you got to that figure of 21.2%

ok, i've checked out the link to ppi interest rate charges at link 1 and i've checked my sar loan data and come up with @ 7/5/98 -1247.63 ppi on loan of 5900 totaling 7147.63 => 17% @14/10/99 - 4253.94 ppi on consolidated loan including above loan coming to 15000 totaling 19253.94 => 22% can you please confirm this from my sar data posted earlier ? I thought the refund was only set at simple 8% interest anyway ?

Think ive got it sussed using the statint ssheet. Ok to post it up later on today ?

OK, received 2 industry standard ppi claim forms in post yesterday, one for each account. I will cross refer them as the first loan was consolidated into the second loan. I have until 9/10 to return them, with a decision to be made no later than 14/11. Slick, you mentioned sending a PPI spreadsheet. I take it this is just a list of dates and amount of ppi plus interest charged per date. Can you be more specific, please ? would sending this info indicate to them that I have sar data ? would it make any difference to the claim ? would it strengthen it in my favour ? tx in advance

No. I watched the screen as he filled the e-form out and saw him put the correct amounts in and then submit the form. I got a print out a standard apology template and he wrote the 2 policy amounts on the print out, including the dates they were taken out. I will go down tomorrow and request a proper print out of the eform. One other thing, as it is 2 amounts I am claiming for using the industry standard ppi claim form, do I need to submit 2 forms, or put both policy/account numbers on same form ?

No, just filled in an initial complaint e-form and got told to contact branch if any probs/queries. Manager looked over sar info and put dates and amounts into form.

ok, but what is a SOC ?

Tx. I will get them both off then.

Quick update: Went to local Barclays branch and made online complaint to be sent to their PPI team. They should respond within 5 days with a claim form. Only issue could be with this form, which has been recently revised to 8 sides instead of 2, according to bank manager, but he did say it was mostly repetitive in style. Also, it's been incredibly quiet on the dca front. I think they realise that I now know what they know about the account. + Also, I reckon I have paid ppi to rbs and birmingham midshires in the past. Shoul I sar them as well ? I still have all the original confirmation of account paperwork .tx in advance

Sorry, I was not aware of any charges at all.These amounts do not make sense to as it was so long ago.I will go into my branch tomorrow an dask for verification of these amounts.Thx

tx 4 that..appreciated

Hi,I know it's probably a bit soon but can any of the site team give me some feedback on my sar data ? I don't really know how to use it and I can't really tell by the data supplied if it's all been in vain, Thanks in advance.

re. sar data.... ok, here is the loan data starting with joint account with partner then consolidated into one loan. tallyman is loan history up to final payment/default.

received sar data today. will post it up later on today. looks like tallyman and loans data sheets show the most info. there is also on odp report and entire bankk statement history.

LOL easy slick, I was being sarcastic!!I'll keep the application form for my records. I just thought that after nearly 13 years it was very unusual for them to deem me so worthy of their business...especially after the sar was sent!?!

just a quick update... got acknowledgement of sar letter recently, then 3 days letter got a credit card app form...so I can spend my way to repairing my credit rating...! bb_sar_acknowledgement.pdf bb_cc_app.pdf

Well, today was handback to client day..evidently not. I have a stay of execution.... settlement.pdf

thanx for that

Hope so, haven't been able to keep a bacon butty down for ages. I still remain cautious, as P2C still appear to be 'active ' in this account. Will wait and see...

sent sar letter to Barclays this morning. Got this in morning mail... csl.pdf

Looked around Barclays forum, will send it to Knutsford, does it need to be recorded delivery ?

This is the earliest letter I have concerning payments to Barclays, don't know if it provides much. Do you have the best address I should send sar letter to ? collection centre in letter is PO Box number.

I believe it was a loan, taken out nov '99. Also included about 8k of my wife's debt.I have an original letter going back to 2006 about increasing the payments from about £30 to £50. I can scan it in later today if required.thanks for the responses.

thanks for your response, how do I claim ppi properly ? will a cca show this info ? dont even think I ever took it out ? bit suspicious of those adverts and never ending phone calls.. .how can I edit the thread title ?

Hi all, heres the lowdown on the hoedown... .I got several debts with barclays consolidated in late 1999 and until march this year was paying £50 per month via pay in book. I forgot 2 payments in april/may, got a letter from barclays stating they were handing the account to credit solutions ltd. Few days later got letter from CSL stating they would be collecting the debt. Made 1 payment to CSL, discovered some info about disputing the debt amount as it has been sold on to a DCA and stopped payment. Eventually got CSL in tacit aggreement, they have recently handed account to Power2Contact, who work out of the same address, reckon they are the doorstep collection part of the operation, with a name like that. They sent me a letter stating they were representing the client and to call them to arrange a visit to discuss payment of the account as i have ignored all requests for contact, which is rubbish as this is first contact from them and I have copies of recorded delivery letters sent to CSL. I sent them(P2C) a letter requesting proof of alleged debt and a denial of implied acccess statement. Just waiting to see what happens now but was wondering if I should request cca from original creditor, Barclays. Alleged outstanding debt stands at £13500~ Thank you in advance for any advice