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rosequeen

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rosequeen last won the day on March 27 2017

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About rosequeen

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  1. I know exactly what you mean. I must have dreamt about my Barclaycard too. Maybe your loan and my credit card existed in a parallel universe ! The one the Terminator came from. If however, you haven't received the SAR by next Friday can you chase it up? DX is correct Aviva took over Hamilton Life
  2. I'll see if I can find anything about Hamilton Life but have you got the SAR back from Barclaycard yet, as 30 days have expired?
  3. Hi Rosequeen, 

     

    I had a proper read of the voluminous correspondence, having previously lost all interest once my bank account was stuffed with £thousands by Barclaycard.

     

    Melissa Williams is the very helpful lady telephonist on the initial telephone contact line.  If ever you get to speak with her, she might be able to give you a steer from the inside.

     

    I had 3 relevant Barclaycards. 

     

    One card ending in 6054 (Monument Card?) was still open in 2006 with associated PPI documentation 144142861 which I never asked to see.  This was swiftly paid out in January to the tune of over one thousand.

     

    In March came two identical letters and two refunds into my bank account of £4222.14 each, for cards ending in 7008 and 9001, I believe were Visa and Mastercard.  The letter print is so faint as to be unreadable if scanned.  Text reads as typed lower down, verbatim.

     

    Looks like Barclaycard have some of my application/PPI documentation but incomplete.  Looks like they decided to give me the benefit of the doubt and used estimates and averages to compute compensation.  It was easy to establish any PPI which I subscribed to was mis-sold because I was always self-employed and never eligible for PPI compensation claims.  It might also help that I am now a Barclays Bank current customer.

     

    I am content to send out SAR today  - let me know what you choose --

     

    for the two antiquated cards

    or for all three cards,

     

    quoting card account 4-digit suffixes and Barclaycard case reference numbers, and see what comes back -- unless you have further ideas upon this new information.

     

    If you ever arrive at a situation wherein you can establish PPI existence and mis-selling, but documentary evidence is incomplete, I will give you permission and Barclaycard letters to quote my case  in support, showing precedent where Barclaycard used discretion and benefit of the doubt.  You can in the last resort seek comparable treatment and I will back you up --  equal rights for woman, ha ha ha.  

     

     ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

     

    From Barclaycard, Saffron Road, (4 March 2019)

     

    Dear Mr XXX,

     

    Your complaint has been upheld.

     

    We have now finished investigating your complaint and we agree that we mis-sold your Payment Protection Insurance (PPI).  We are sorry that this policy was mis-sold and we will provide a refund.

     

    When we uphold a complaint about mis-sold PPI we usually offer a refund of the insurance premiums paid, as well as interest on the premiums you paid to date.  We also offer additional interest on top of your refund as statutory compensation.

     

    However, we have been unable to accurately calculate your refund because our investigation has been unable to find any record of the premiums you paid and the term of your policy.  As this information is required to accurately calculate your refund we have used an average value for the premiums paid, the average interest paid on premiums, and the average value of interest we have paid to our customers as statutory compensation.

     

    I have enclosed a leaflet written by Which?  and Moneysavingexpert.com that provides independent information on how your compensation should be calculated.  It is important that you take time to read this as, it also provides useful information if you think your refund of payments made by you for PPI cover based upon compensation is unfair and what you should do.

     

    About my decision

     

    I have made my decision after reviewing your application form, the information you provided and our internal system evidence.

    .......

    .......

    A.  Refund of payments made by you for PPI cover based upon comparable policy -- £1256.84

    (This is an average value for the premiums paid on a comparable policy)

     

    B.  Refund of interest charged on PPI Premiums charged on comparable policy       -- £ 876.13

    (This is an average value for the interest charged on the premiums paid)

     

    C.  Statutory compensation                                                                                                    -- £2611.46

    (This is an average value for the statutory compensation paid on a comparable policy)

     

    D.  Income tax deduction                                                                                                        -- £ 522.29

    (This is the value of 20% income tax deducted from the statutory compensation)

     

    Total Refund payable = (A + B + C - TAX)                                                                             -- £4222.14

     

     

     

     

     

     

  4. Hi Mistermind Yes thanks I've seen it, but I didn't know that facility was available on CAG, clever. Anyway SAR looks OK, are you going to put the account number in before you send it, to help them process it quicker?
  5. Rosequeen,  I have forgotten the sequence of clicks for sending a PM.  The following text is the SAR I shall send out later today to Barclaycard in Saffron Road Leicester -- unless you would like some amendment to my text:

     

     

     

    I do appreciate you are very busy, so I require only a minimum of document copies to which I am entitled under SAR regulations.

    For the oldest of my various Barclaycards which had PPI and for which you have one/both documents, please supply to me copies of:

    Credit Application Document

    PPI Policy Document


    There is no applicable fee for this data disclosure – unless you feel that my request is manifestly unfounded, excessive or repetitive – in which case you have a duty to let me know without any delay.  Under the new GDPR regime, you must satisfy this data disclosure request as soon as possible and in any event within one month.

    If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return however, you are not entitled to impose any formality upon me or to require that I complete any particular form or template before you comply with your statutory duty.

    If I do not hear from you then I will assume that this Statutory Request is satisfactory and that the 
    one month time limit has started on 1st July 2019.  If you say my data is no longer available having been destroyed, I require a Certificate of Destruction from you stating what data was destroyed when and authorised by whom. 


    Yours faithfully,

    1. Show previous comments  2 more
    2. rosequeen

      rosequeen

      Getting hold of the whole account numbers will help because the first six BIN numbers 492985 show that mine was a Barclaycard Visa credit card. 

      So when you get the SAR back you can check if you cards started the same.  There's a website called EXACT BINS where you can check which lender provided any card.

    3. Mistermind

      Mistermind

      The deed is done, SAR posted for 2 antequated Barclaycards.

       

      Quick, make room in your bank account for £thousands arriving from Barclaycard, ha ha ha   😀

    4. rosequeen

      rosequeen

      Hi, wish I could celebrate but having been knocked back by Barclaycard for the past five years, I've learned not to get my hopes up. 

       

      Nevertheless what you're prepared to do for me with the Sar info will give me more ammunition.

       

      Four more weeks to wait and see what arrives in your post, so fingers crossed for something positive, like the name and address of the previous PPI underwriter in the 1980's and maybe the original account number, because one of their senior managers told me that Barclaycard numbers were initially shorter in length, especially during the 1980's.  It would help to know what the first six BIN numbers were before they changed to 492985......

       

      Hope to hear from you soon,  best wishes, rosequeen

       

  6. Rosequeen,  I have forgotten the sequence of clicks for sending a PM.  The following text is the SAR I shall send out later today to Barclaycard in Saffron Road Leicester -- unless you would like some amendment to my text:

     

     

     

    I do appreciate you are very busy, so I require only a minimum of document copies to which I am entitled under SAR regulations.

    For the oldest of my various Barclaycards which had PPI and for which you have one/both documents, please supply to me copies of:

    Credit Application Document

    PPI Policy Document


    There is no applicable fee for this data disclosure – unless you feel that my request is manifestly unfounded, excessive or repetitive – in which case you have a duty to let me know without any delay.  Under the new GDPR regime, you must satisfy this data disclosure request as soon as possible and in any event within one month.

    If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return however, you are not entitled to impose any formality upon me or to require that I complete any particular form or template before you comply with your statutory duty.

    If I do not hear from you then I will assume that this Statutory Request is satisfactory and that the
    one month time limit has started on 1st July 2019.  If you say my data is no longer available having been destroyed, I require a Certificate of Destruction from you stating what data was destroyed when and authorised by whom. 


    Yours faithfully,

  7. Hi Mistermind Thats a massively generous offer and would really help if you did a SAR against your older Barclaycard, the one from the 1980’s. Can you ask them for the application/credit agreement and PPI policy document? Like you mentioned there’ s just enough time before the deadline. Send me a PM when you receive a response, or photo images with your personal details obscured. Thank you so much. You’re a hero!
  8. Thanks again Mistermind but could you be more specific? When did you close your older Barclaycards, was it before 1996? I did write to those same addresses and got nowhere. They both replied saying they cannot locate any details. I have been trying to find proof for the past five years that the card existed and had ppi on it. All I’ve got is the account number.
  9. Thanks Mistermind for responding. I was hoping you might have sent a SAR to Barclaycard and they managed to locate your credit agreement and PPI policy, so I could find out the name and address of the underwriter. If you pursued your complaint over the phone to them, I'm guessing your B/card was still running after 1997 because they can find PPI records back to then but not for B/cards that closed before 1996 like mine. I do have the account number but they said its too old to locate.
  10. Hi Mistermind Not just you, thousands of us However, if I hear of anything in the future that might help you, me and others I'll put it on this forum, so keep checking. One thing, did you actually put a PPI complaint in? If not, then I'd advise you do so, because it needs to be in before the August deadline, even if it doesn't make any progress. If, eventually you do find some evidence and submit a complaint after the 29th, the bank might reject it on grounds of being too late. Could I ask a favour? Would it be possible to send an image of your Barclaycard application or credit agreement with your personal details obscured? Do you have a copy of the PPI policy document with the name and address of the underwriter? Thanks, Rosequeen
  11. Can I ask when your Barclaycard was opened? Did they send you a copy of the credit agreement?
  12. Can you remember an approximate start and end date of the loan and how much it was each month?
  13. Join the club, as I got no further with my PPI complaints from the late 1980's/early 1990's either. From the sounds of it you've done everything possible to trace your old HFC account. Although, you could try failed SAR and take them to small claims for non compliance, lots of posters have gone down this route with some success when lenders have suddenly found the missing data just before the court date but these posters probably had the account number. Banks say they cannot search their archives without the correct reference number. I'm no expert on microfiche so perhaps someone on here can explain how data is located in microfiche. Is it by date or account number?
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