Advice needed please

[harrystottle]

Hi

 

I need some advice on how to go about helping my partner reclaim his PPI payments. He took out a Barclayloan about 6 years ago (yes I know – statute of limitations may apply!) along with their PPI and now thinks it may be worth trying to reclaim it.

 

He was in employment at the time and had no pre-existing medical conditions.

 

Unfortunately he has no documentation and can’t remember what was said at the time so doesn’t know whether he was asked relevant questions when he took the loan out.

 

Question 1: How can he get the documentation?

 

Question 2: What grounds can he give for mis-selling if he doesn’t remember the conversation that took place at the time he signed up?

 

Any advice gratefully received

 

H

[Braveheart Bear]

Hello there.

 

The first thing you need to do is get a S.A.R - (Subject Access Request) off. Take a look at this thread

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/118145-r-subject-access-request.html

 

which gives more information, also have a read of everyone elses on the forum, many of these show different letters along the same van. The SAR costs £10 but will be worth the cost if it helps you get the premium back. Use the time while you wait for them to send the information to get as much information as possible. This forum has a wealth of information so soak it up !

 

Good luck with your claim, and dont forget to keep your thread updated so we can all follow along with you.

 

Braveheart Bear.

Edited May 15, 2008 by Braveheart Bear

[adamski]

When you get your documentationyou should get a credit agreemment which should have information about PPI, we can help you more when you receive it

[harrystottle]

Thanks a lot guys - SAR on it's way - hope they wont get us with the 6 year thing; I'll keep you posted watch this space!

[hellhasnofury]

Thanks a lot guys - S.A.R - (Subject Access Request) on it's way - hope they wont get us with the 6 year thing; I'll keep you posted watch this space!

Hello harrystottle,

 

They will probably state they have difficulty in provision of information under the data protection act as it is over 6yrs. No where does it state this, the apply the limitation act as a 6yr rule.

 

If they do become difficult I would quote the money laundering regulations to them and also section 32 of the limitations act:D

[harrystottle]

Thanks for the info folks.

 

I have one more question, thanks in advance for any answers that may be forthcoming...

 

Would I be right in saying that the outstanding balance that he owes on the loan could now be classified as a disputed debt and if so can I get Regal Credit off his back for the time being at least?

 

By coincidence (or perhaps not) they have written to him saying that his repayment programme is up for review (he's been paying £20 a month).

 

It would be so nice to tell them to shove their review where the sun don't shine

[harrystottle]

Sorry to bump this but need to know the answer to this one - to recap the loan was defaulted and is now in the hands of Regal Credit so my question was does the lodging of a S.A.R - (Subject Access Request) put the loan into 'in dispute' status and if so can I get Regal to give it back to Barclays until it's resolved (hopefully in our favour )?

[harrystottle]

Hi All

 

Barclays have ignored the SAR and are now well overdue.

 

Can anyone give me some advice on how to proceed?

 

Cheers

 

H