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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Ragdoll 1

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Everything posted by Ragdoll 1

  1. Ragdoll 1
    Thanks, I'll go back a 2nd time to see if they come up with anything and if not i'll ask them to send me the destruction certificates. I'm sure this is what they do with every case closed for 6 years or over, hoping you wouldn't take it any further.
  2. Ragdoll 1
    I've found two HFC agreements both with PPI going back to 1998. One was for a computer bought from PC world (standard month payment of £83 12 month interest free) after a year this was then paid off with another loan from HFC which issued a card/ cheque book, these monthly varied from month to month depending on the balance. After looking through the old bank statement I have also found monthly payments to HFC for over £200, I think this may have been for a car I bought, the only paperwork I have is my bank statements and a account numbers. I did a SAR to HFC for all 3 accounts which came back with they have no documents as accounts have been closed for over 6 years. Do you think I should still send a claim into HFC based on the information i have or go back to them asking for destruction certificates as proof the information has definately been destroyed?
  3. Ragdoll 1
    I've found two HFC agreements both with PPI going back to 1998. One was for a pc bought from pc world (standard month payment of £83 12 month interest free) after a year this was then paid off with another loan from HFC which issue a card/ cheque book, these monthly varied from month to month depending on the balance. After looking through the old bank statement I have also found monthly payments to HFC for over £200, I think this may have been for a car I bought, the only paperwork I have is my bank statements and a account numbers. I did a SAR to HFC for all 3 accounts which came back with they have no documents as accounts have been closed for over 6 years. Do you think I should still send a claim in ?
  4. Ragdoll 1
    Thank you Slick132, letter going off to Barclay first thing tomorrow to see what else they can find. Cannot find anything with regards to the 1993 loan, however I have managed to find some old statement showing the 1995 loan (which was consolidated) from what I can tell I paid £10,372 plus £861.09 which was paid off with loan 3. On the 4th loan I paid £8701 plus £6400.84 which was paid off with loan 5. The only old rate I can find in 1999 which was 13.9%. Let's see what they come up with and then I'll send in the questionnaire.
  5. Ragdoll 1
    Barclays have sent me the account numbers for the 1993 & 1995 loans but no statements / agreements therefore I have no details of the amount of the loans and payment made. Surely if they had them they would have sent them?
  6. Ragdoll 1
    Barclays didn't send anything for the 1993 & 1995 loans, i guess they don't have anything going back that far or they would have sent them. This means i am unable to complete the spreadsheet as i need the information for loans 1 & 2 as they are part of a chain of 5.
  7. Ragdoll 1
    Ok i've now received some of the documents from Barclays (not all of them but this could be because they are over 6 years old). One loan -2006 to 2011 with PPI (claim made for 2 or 3 months) then paid off with loan 2 in 2011 with no PPI and still running One stand alone loan with PPI 2004-2005 (Loan closed) Five loans - all paid off with each new loan (Loan 1 1993-1995 with PPI) paid off with Loan 2 (1995-1999 with PPI) paid off with loan 3 (1999-2000 with PPI) paid off with loan 4 (2000-2004 NO PPI) paid off with loan 5 (2003-2011 with PPI) Loan 5 claim made for 2 or 3 months). From what i can tell from the paperwork that was sent through Loan 2 was consolidated but no paperwork for the loan in 1993 i don't no whether this was loan 1 consolidated with another that was taken out prior to 1993. Barclays loan statement only shows loans rolling over 4 times, however load 5 paid off loan 4 after a month of loan 5 being taken out, this is obviously why they haven't shown loan 5 as attached to loan 4. Can someone please tell me whether i should send three seperate claims in (2 loans / stand alone & 5 loans) within a few days of each other or send them all in together but seperate questionaires?
  8. Ragdoll 1
    Thank you ims21
  9. Ragdoll 1
    Sorry, I didn't know whether to add it to the original one or not. Had a look in the library but can't seem to fine the failed SAR letter, can you please let me know where i need to go once im in the library
  10. Ragdoll 1
    Yes, the 40 days are up now and still havn't received anything. Going to give them until the end of the week and then send the Failed SAR letter as per your advice
  11. Ragdoll 1
    Hi, It has now been over 40 days since my SAR letter was signed for and i haven't received anything back from Barclays. Could someone please advise what my next course of action should be.
  12. Ragdoll 1
    Thanks dx, lets wait and see, you know what these banks are like with any excuse not to pay out.
  13. Ragdoll 1
    Hi dx, i have SAR'd Barclays and just waiting for the details to come through. I have a couple of the agreements which show that PPI was front loaded, i am hoping Barclays will be able to supply the ones i am missing. Until i started to read this website i did not know that the premium was paid up front and interest was also added onto the PPI. They never asked whether i had any other cover or whether i had a sickness package with work (which i have). Like i mentioned i have only received insurance certificate for the two loans taken out around about 2006, all other loans before this date i never saw any insurance certificates. Even when i consolidated two of the loans to reduce my monthly payments, they still went ahead and included PPI.
  14. Ragdoll 1
    Hi, I am new to this so hopefully i'm posting this in the correct place. I have / had several loans dating back to the 1990's to present , all except the last two (which are still running) included PPI and each loan paid off the previous one. I cannot remember ever remember receiving insurance certificates from Barclays on the loans taken out back in the 1990 to around 2005. Is this normal for the bank not to issue a certificate?

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