April 2011 while i was working in the Far east, i receive a phone call from yet another new Bank manageress, she is not happy with the way i am using my overdraft facility, she reccomends a business loan, stating it would be cheaper. i advise her that i already have a loan in place, she responds that the new loan would refinance the original loan and pay of the overdraft, it seemed fait-accompli so i arrange for the signature sheet of the new loan to be emailed to me, i sign, scan and return the form. In June this year i return back to the UK, my book keeper reccomends i look at PPI, i remove from the files the refinanced loan and to my horror see that it has an APR of 23% against the original loan which was 14.4%. I visit the bank i find i have a new bank manager and he seems as surprised as me at the level of interest that i am being charged, he will investigate and respond back. i also request a settlement figure for the new loan. I receive an email from him saying that it is within the Banks rights to charge thie level of interest on what are considered high risk accounts, i also receive a letter giving the settlement figure and also stating that interest is being charged at 9.51pds per day. On the 22nd July i i send off 3 complaint forms in the same envelope for PPI, the original loan, the refinanced and a further loan from Barclays Mercantile Bank which was for 44k and has additional fees of 11465pds. I am advised by my book keeper and a work colleague that all these loans carry PPI and in total should be enough to pay off the 23% loan. I receive back 2 claim reference numbers, no notification on which policys they refer to, my thinking was that 1 reference number referred to the original/refinanced loan because they are connected and the other reference would be for the 44k loan. On the 14th August i contact the call centre and it became clear that the the 2 supplied references were for the original and refinanced loans, when i query the 44k loan they say they have no records. Over the phone they take details and supply me with a claims reference number. After 40 days i contact the call centre again for an update, i am told it is in fact 40 working days that they work to, when i query the 44k loan they tell me it has been rejected and a letter has been sent giving details as to why, i respond advising him that i have not received any letter he agrees to resend the letter but it will take 7 to 10 days. After 10 days i call them again and they tell me that again they will resend the letter. After a further 10 days i visit my bank and 2 staff from the bank phone the PPI call centre, they could not have been more aticulate or precise about what i want, the agent confirms he will arrange for the rejection letter to be sent but it will take 7 to 10 days, I receive a copy of the settlement letter for the original and re-financed loan not the mystery rejection letter. In sheer desperation on the 19th Septemeber i visit my new bank manageress, i make it clear to her i will not leave the branch until i know why the 44k loan was rejecred, after much coersion from her she is told due to insufficient evidence. She points out to the agent that she has the original contract which clearly states additional fees of 11465 pds, they will not accept a fax copy so she sends through the internal mail. On the 40th working day since i received the claim reference for the 44k loan i contact the call centre only to be told that the case was reopened on the 22nd September when they received the original contract from my Bank Manageress. As stated i want to use the PPI money to pay off the userous loan that Barclays have forced upon me, every day the PPI issue is not resolved costs me 9.51 pds in interest charges. I visit my bank manageress and ask whether the loan can be suspended until this mess is resolved, i also ask why i am considered high risk, apparently it is not possible and i have to continue paying the loan amount and she cannot divulge why i am high risk. In conclusion i have been a Barclays customer for approximately 30 years, for 28 years my accounts have been in good order i am in the process of moving all my accounts to a new bank.