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Mistermind

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Mistermind last won the day on July 28 2009

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  1. Yes I will chase it up. I have the original SAR request text for re-send and SAR response is my entitlement by law. By the letter of the law, by the spirit of same, I conjure thee up oh mighty Barclaycard.
  2. Regrettably no SAR reply or even acknowledgment yet from Barclaycard -- not the first installation to blank my SAR request. If or when Barclaycard replies you will be the first to know. Thanks DX100UK. I SAR'ed Aviva months ago. They said they have never heard of me. I must have dreamt everything, I never had no HFC loan including no PPI. The sky is not blue, the sea is not green, the Earth is not round and the Globe is not warming.
  3. Thanks for the informative docs on HFC thread. I rang "Hamilton Insurance" today on 0203-5951111, but they said they are an insurance underwriter who never sold PPI. Do you have an address for Hamilton Life please? As HSBC/HFC swears they cannot find my account from 1987 without account number I have reached the end of the line re PPI reclaim. As a last resort I was hoping Hamilton Life would be decent enough to give me my HFC account number or Hamilton PPI account number. By not requesting full SAR from Hamilton (which many installations ignore), I hope to get a key with which to disarm HSBC's "if no account number, no PPI claim" tactic. Thanks for your time.
  4. Apologies, I have forgotten the sequence of hyperlinks/buttons/clicks needed to send a PM to another consenting user.

    1. BankFodder

      BankFodder

      Top right corner - there is a little envelope

  5. 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

     

     

     

     

     

     

  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,

    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

       

  7. 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,

  8. Alternatively the Barclaycard PPI forums would like show postings where underwriter and PPI details were in hand of forum user. Let me know if you want me to try SAR.
  9. Hi Rosequeen, I really cannot remember going through any formal procedure of "closing a credit card". If I had zero balance and no further use for such expensive financing then I simply spent no further transactions on said card. More likely I would have maxed out said card, then paid off the balance in instalments thus making card management jealous about safeguarding my card history. If you have no card statements, do you by any chance of any Default Notice issued against same ? Any trail of credit history about you on Experian before 1996? If you really would like to try ONE LAST RESORT, I can issue a SAR against my Barclaycards (previously I only typed a letter complaining about PPI, relying on Barclaycard to be honest and diligent). SAR compliance output would be doubtful to arrive before August 19. If any sign of insurer or PPI is shown by my SAR I can happily share info with you in private.
  10. Hi Rose Queen, Following my firsthand favourable outcome I do urge you to persist. When I first started, on Google there was one unambiguous hyperlink where Barclaycard offered callers an initial confirmation whether any PPI was charged in the first place. Once this was confirmed, the lady telephonist was at pains to explain her computer screen did not show my other older cards, but that there was a separate office dealing with the latter. I cannot remember whether she instigated the additional referral, or whether I wrote separately to the address she provided (probably both). I wrote everything down on the back of an envelope and persisted. Lo and behold, refund from my less ancient card came pronto, whereas from my older cards less pronto but within reasonable time. The 2 different addresses who wrote back to me with dosh were: Barclaycard Customer Relations Dept, P O Box 9131, 51 Saffron Road, Leicester LE18 9DL Barclays Retail Banaking Customer Relations, Leicester LE87 288 I had Barclaycard in all variations from the 80's, possibly from the 70's, but all finished with full settlement and presumably were closed and inactive. More recently in 2014 I came back from Ireland and in November 2014 opened a new Barclays Bank current account. In maybe 2016 I applied and got a new Barclaycard. Possibly because of my history and fresh re-association, possibly my decades-old Barclays data got reassembled together in the jungle of Barclays Group IT databases. Rose Queen, do please persist with Barclays. in view of my RESULT and the general tone of cooperation I received, any refusal you received was likely due to muddle rather than conspiracy. If you spoke to the wrong bureaucrat you may get a wrong answer. Do ask if you need me. Good luck ! May Your Majesty be rewarded with smiles and roses ! Payment Protection Insurance | Barclays https://www.barclays.co.uk/important-information/ppi/ Payment Protection Insurance FAQs | Barclaycard https://www.barclaycard.co.uk/personal/ppi-faqs What is PPI? | Barclaycard https://www.barclaycard.co.uk/personal/ppi Payment Protection Insurance (PPI) is designed to repay loans, mortgages, ... The easiest way to raise a PPI complaint is by using our online claim form. Payment Protection Insurance (PPI) | Barclaycard https://www.barclaycard.co.uk/personal/ppihelp How do I Check if I have PPI? | Customer Services | Barclaycard Help https://help.barclaycard.co.uk/brochure/customer_services/Check_PPI How do I make a new PPI complaint? | Customer Services ... https://help.barclaycard.co.uk/brochure/customer_services/making-a-claim General Information · Complaints · PPI Complaints · Fraud & Security · Other Barclaycard Information · Paying Your Bill · Spending & Transactions · Statements.
  11. Thanks Rose Queen, A good idea. I shall make an official PPI complaint to HFC/HSBC ahead of August 19 to put down a place-marker -- ahead of the happy event of myself miraculously recalling during seance session or deep hypnosis, one HFC account number from 35 years ago so carelessly forgotten. I am afraid my Barclaycard bumpf along with all other bumpf was confined to the waste-basket, as at the time I had no inkling of the significance of Barclays Bank being a separate entity from insurers who underwrote PPI. I only started PPI reclaims this past January, when I rang up the Barclaycard telephone number for PPI as found from Googling. Within 10 minutes the telephonist using my name, DOB and former address, found that I did incur £900 PPI years ago. But to pursue PPI in my older card accounts I was given a separate address. I would characterize this lady telephonist and helpful and kind in tone, as if she wanted victims to achieve redress. Via Barclaycard I had Liberty Loans and Monument Loan. Altogether I received 3 painless refunds straight into my Barclays bank account, totalling £9,000 despite my never having an inkling an iota of my account numbers. If you would like B/card addresses and names I dealt with, please let me know. Happy days.
  12. My Barclaycards must have been opened in the 80's if not 70's, and for sure a copy of Credit Agreement was sent to me. No doubt HFC account opening would have been sent to me. Alas over the years each time I moved house and moved county to work as an itinerant contract computer programmer, every possible ounce and gram was ditched, even adorable girlfriends had to be ditched, let alone seemingly obsolete paperwork. Rose Queen, it looks like in the words of the Venerable Donald Trump ...
  13. My revolving credit account had a limit around £2000. Interest accrued only when I drew debits out, when I paid what I chose, not necessarily once a mouth. Around 1982-3 I opened such an account in HFC Bournemouth office, then around 1985-8 I opened account in HFC Brighton. Barclaycard has been very honest and honourable, paying me huge amounts of PPI refund without quibbling when I had zero records. Not so HSBC.
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