alanalana v Barclays **Won**

[alanalana]

SAR sent 9 Jun 09

[citizenB]

[alanalana]

The Sar to this one is missing despite sending recorded signed for with a £10.00 postal order as is the same for my LTSB same result no record of delivery. I had much the same issues on my own RBS claim 3 out of 9 letters not delivered. I have my suspicions that the local office is to blame so I am switching to post in another area. The issue of course will be posted here on my thread on earlier complaints..

 

Royal Mail - Losing it! alanalana

 

Something very fishy 5 out of 13 recorded delivery posts never made it.

 

aa

[alanalana]

It seems barclays got the letter but as usual Royal Mail tracking have not record (what a useless organisation. You pay £1.14 for first class recorded signed for and they cannot produce the goods)

 

Time for another complaint on another forum:D

 

aa

[citizenB]

I agree this is extremely annoying. TBH, I would send a complaint, at the very least you will get your money back.

 

They specifically suggest using Recorded post for legal documents that you require a signature for.

[alanalana]

What a jolly good idea. I know the mail got there but Royal Mail should be able to prove the track and trace and they cannot therefore the fee for track and trace was missappropriated:D

 

aa

[citizenB]

What a jolly good idea. I know the mail got there but Royal Mail should be able to prove the track and trace and they cannot therefore the fee for track and trace was missappropriated:D

 

aa

 

Exactly.. The extra postage is specifically for the signature at the very least you want that returned.

[alanalana]

Exactly.. The extra postage is specifically for the signature at the very least you want that returned.

 

Plus copius amounts of compensation Usually a book of 12 first class stamps:eek: Still the stamps come in for the next round of claims:D

 

aa

[alanalana]

Bunch of PPI stuff arrived via DHL inner envelope totally ripped apart so could be an issue here. Not had time to go through the bundle of papers yet but will do so with a fine tooth comb.

 

The package arrived one day outside of the 40 day limit

 

They just have to have the last infuriatingly last post

 

On a quick scan they may have ommitted the CCA and T & C's but that can be remedied within another 14 days after I have had a good look at what they have sent. If it is missing then a CCA request will be on it's way:D

[citizenB]

The Barclays we all know and love, aa !

 

Send the envelope to the Information commissioner's office along with a complaint. How do you know that stuff isnt missing ?

[alanalana]

No true copies of CCAs or T &Cs in the package but have managed to ascertain two barclayloan protected accounts one being refinanced by another. Being protected that must mean PPI so I now have to write back complaining that the SAR has not been fully complied with. Also no demands and needs/customer duty of care questionnaire to ascertain the product was fit for purpose which it was obviously not. Turned up a letter in the PPI bundle saying "we notice you have payment protection why not put in a claim" to cover your unemployment.

 

Claim submitted but turned down the PPI was clearly mis-sold.

 

Letters being fired off as soon as I get a minute.

[alanalana]

Non compliance and LBA sent 24 july giving 7 days notice. No response so another complaint to go off to the ICO.

[citizenB]

At least you are being kept out of mischief, Alan:D

[alanalana]

At least you are being kept out of mischief, Alan:D

 

I thrive on mischief where PPI is concerned. I hate the fact PPI has been a massive ripoff and most folks are still not aware of the fact

 

So if I can fight back and use the system to fight back fairly ( something not considered when PPI was added to loans etc) then I would call it a fair fight with the proviso I can let the world know about the tactics of the banks.

 

aa

[alanalana]

FOS complaint on this one goes in tomorrow no response by deadline. So you have to do what you have to do.

 

Months to wait but already have a capone FOS complaint in. A positive result on the LV complaint. Plus several others on bank charges and RBS.

 

Total PPI recovered so far over £18K and approx £2.7K in bank charges.

 

What a nice site this is

 

aa

[citizenB]

FOS complaint on this one goes in tomorrow no response by deadline. So you have to do what you have to do.

 

Months to wait but already have a capone FOS complaint in. A positive result on the LV complaint. Plus several others on bank charges and RBS.

 

Total PPI recovered so far over £18K and approx £2.7K in bank charges.

 

What a nice site this is

 

aa

 

Well done so far, Alan. Keep up the good work:D

[alanalana]

Well done so far, Alan. Keep up the good work:D

 

Formal complaint submitted to the FOS with a complaint to the ICO about the failure of Barclays to comply with the Data Protection Act 1998. It will now be a waiting game

 

aa

[alanalana]

Just to post up another success via the FOS route.

 

Barclays were very slow to act on PPI mis-selling claim and kept writing letters stating they are not in a position to give an answer. So off we go to the FOS and yes result in - £4.5k+ refund by cheque 15 days after the FOS confirmed the acceptance of the adjudication.

 

PPI SAR and claim and responses went from Jul 09 up to Nov 09. Complaint to the FOS in Jan acknowledged 20 Jan result by cheque 21 April. That would indicate a fairly good improvement in response times by the FOS.

 

The final letter was pretty much condescending i.e.

 

We take complaints seriously as the comments you have made help us to identify where we can improve in the future. Once again I am sorry for the problems you have experienced. Thank you for letting us know.

 

I trust this information is to your satisfaction.

 

 

It seems to me that you are treated with total disdain up until the FOS start writing to them. Then they come over as being all nice and helpful.

 

The number of letters received stating we are investigating, we are not in a position to give you a full response, or a full response is taking longer than expected. You can of course take your complaint to the FOS etc. (Take your complaint to the FOS is a MUST) All of this is to try and make you throw in the towel. You must never give in, press on and with PPI complaints to the FOS the chances are you will get your money back

 

aa

[maroondevo52]

Superb stuff, Mr any chance of a tenner

[alanalana]

Will have to ask my good lady. Being from Scotland she may well refuse although she is a generous soul

 

Have one outstanding claim against Capital One with the FOS for a few pounds not thousands.

 

Then it is time to delve into the past with credit cards, store cards just to see what information I can get to possibly start more trouble. I may not have a chance of success but if I can get enough information to complain to the FOS then that will do me.

 

aa

[maroondevo52]

Good luck with that, I should look out my old loans ect see if there's anything I could claim, was cold called by a claims company yesterday, told them I had a mate that was very good with PPI

 

And he would'nt want any up-front fee, his wife might, being scottish

[alanalana]

Love it

 

Settle for clootie dumpling, fish supper or haggis

 

aa

[pompeyfaith]

Alan well done m8, but please please tell me your secret blimey man this one was quick once it reached the FOS you have someone on the inside lol

 

PF:D

[alanalana]

No oneon the inside yet. 8)

 

In this claim the FOS even stated we may not have a chance due to the circumstances ie tried to claim on PPI due to unemployment but the claim was refused FOS wanted to know why. I filled in the complaint form and the Barclays questionnaire and did it in such a way as to not give the bank any answers that would assist them in defending the claim. The FOS acted quickly and obviously agreed with the case put forward.

 

aa

[pompeyfaith]

Well Done Alan :)

 

PF