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After the SAR letter - what's the procedure?


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Hello folks!

 

I've just come back to this forum to look at the PPI reclaiming procedure.

 

I've found the SAR to start proceedings off, but is there a sticky showing the order of the whole process?

 

Are there more template letters to be used?

 

My apologies if I'm being dim here!

 

Thanks,

Stuarto.

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?304631-Welcome-Finance-PPI-and-Mr-Z&highlight=

 

You might find some information in the thread above that would be of use.

 

Have you contacted the bank responsible for the mis sell ? That is the 1st step as they have to be given the opportunity to put things right.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you for the speedy response.

 

No I haven't contacted anyone yet, just spent yesterday afternoon and this morning reading posts on here.

 

Stuarto :-)

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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http://www.consumeractiongroup.co.uk/forum/content.php?754

 

You will find links to a lot of information in the May CAG Newsletter, link above.

  • Confused 1

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi there

 

Basic steps are....

 

1 - SAR the financial institution if you don't have all relevant information

 

2 - Prepare schedule of Claim (SOC)

 

3 - Preliminary letter to bank requesting/demanding refund. (They have 8 weeks to deal with it and reply)

 

4 - If they dont' pay, choose whether to go to court or fos (fos slow - court quick)

 

5 - If fos, complain to them and let them deal with it

 

6 - If court - Letter Before Action sent to financial institution

 

7 - if they still don't pay, issue court proceedings.

 

simples!

 

ims

  • Confused 1

 

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Is there a template document/letter for the Schedule of Claim (SOC) I can use?

 

Thanks,

Stuarto :-)

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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Hi

 

There is no template for SOC as such....basically it is a spreadsheet you use to calculate the amount you believe is due to you.

 

There are spreadsheets in the stickies

 

ims

 

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My credit card changed a few years ago from Monument to Barclaycard - so do I need to contact both of them with a SAR?

 

I foolishly had a clear out of old documents so don't have any Monument statements - is there still a head office for this company?

 

Sorry if I'm asking stupid questions - especially if the answers are on this forum somewhere and have been asked over and over again!

 

Stuarto :-)

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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Share on other sites

My credit card changed a few years ago from Monument to Barclaycard - so do I need to contact both of them with a SAR?

 

I foolishly had a clear out of old documents so don't have any Monument statements - is there still a head office for this company?

 

Sorry if I'm asking stupid questions - especially if the answers are on this forum somewhere and have been asked over and over again!

 

Stuarto :-)

 

 

Nope, not stupid questions.

 

SAR to Barclaycard

 

ims

 

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The only stupid question is the one that ISNT asked :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks for the replies yesterday.

 

I'm going to get my SAR typed up and off to Barclaycard today - so it begins. . .

 

Stuarto

:-)

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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  • 5 weeks later...

Re: Payment Break Plan reclaim against Barclaycard.

 

Update:

 

Got my statements back from Monument/Barclaycard and have calculated £790.29 before adding any interest.

 

I have a couple of queries if anyone can help please:

 

Can I claim back the £24 per month charged for going over my credit limit? (this comes to £264 not included in the above figure).

 

They've only sent me statements going back 6 years - am I entitled to ask for further back? (account started in 2001).

 

Is there an excel spreadsheet I can use which includes the calculation for adding the interest?

 

My apologies if all these are answered elsewhere - I'm at work and trying to do this in-between work and watching the tennis!

 

Thanks :-)

 

Stuart.

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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Re: Payment Break Plan reclaim against Barclaycard.

 

Update:

 

Got my statements back from Monument/Barclaycard and have calculated £790.29 before adding any interest.

 

I have a couple of queries if anyone can help please:

 

Can I claim back the £24 per month charged for going over my credit limit? (this comes to £264 not included in the above figure).

Yes

 

They've only sent me statements going back 6 years - am I entitled to ask for further back? (account started in 2001).

Yes....if they don't have statements they must provide a transaction history

 

Is there an excel spreadsheet I can use which includes the calculation for adding the interest?

Attached at the end of this post

 

My apologies if all these are answered elsewhere - I'm at work and trying to do this in-between work and watching the tennis!

 

Thanks :-)

 

Stuart.

 

In respect of the sp[readsheet, you only need to enter list data in columns A, B and C...all of the other calcs are done for you. You then just change the interest rate to the rate they were charging you and complete your personal details in the blue section at the top of the sheet. This will then be your SOC.

 

If you have a claim for charges and a claim for ppi, these are two different claims and you will need a spreadie for each claim.

 

ims

 

CompoundInt.xls

 

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Thanks again for your help on this.

 

If the annual interest (APR) changed over the years do I have to work out the 'average' and use that in the spreadsheet?

 

Seem incredible that I can add the interest for sums so far back!

 

Do you know if there have been many successes specifically claiming back PAYMENT BREAK PLAN charges? Just worried that they'll deny this is PPI.

 

Is there a 'template' letter I can use to accompany the spreadsheet?

 

Sorry to keep asking questions.

 

Stuart :-)

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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Thanks again for your help on this.

 

If the annual interest (APR) changed over the years do I have to work out the 'average' and use that in the spreadsheet?

Yes...that would be fine

 

Seem incredible that I can add the interest for sums so far back!

They charged you interest on these payments so you should get it back AND they have earned money off your money

 

Do you know if there have been many successes specifically claiming back PAYMENT BREAK PLAN charges? Just worried that they'll deny this is PPI.

Sounds like a form of ppi to me. Investigate on this site and on google so that you are sure

 

Is there a 'template' letter I can use to accompany the spreadsheet?

For the charges there is one in the library for the preliminary letter

 

For the ppi, I personally like these....

 

http://www.thisismoney.co.uk/money/bills/article-1606652/LETTER-TEMPLATE-Mis-sold-PPI.html

 

Sorry to keep asking questions.

 

Stuart :-)

 

ims

 

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Good afternoon everyone.

 

Thanks again for those who've answered my sometimes daft questions so far.

 

I'm putting together a letter today to go with the schedule of claim spreadsheets I've got ready.

 

Just wanted to know if I can put a 'time limit' on how long I give them to reply to my request?

 

I seem to remember something about 40 days when I was going through bank charges procdedure a couple of years back.

 

And do I mention what my next move will be if they fail to comply with my request?

 

I don't want to be too agresssive with my wording, but on the other hand not come across as a pushover.

 

Thanks again for any help I receive.

 

Stuart. :-)

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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Good afternoon everyone.

 

Thanks again for those who've answered my sometimes daft questions so far.

 

I'm putting together a letter today to go with the schedule of claim spreadsheets I've got ready.

 

Just wanted to know if I can put a 'time limit' on how long I give them to reply to my request?

 

I seem to remember something about 40 days when I was going through bank charges procdedure a couple of years back.

40 days os for a Subject Access Request (SAR)

 

And do I mention what my next move will be if they fail to comply with my request?

If you're going the court route then 14 days is OK and put them on notice of 14 day lba if they don't refund. FSA granted some banks an extension to 16 weeks before fos would take the case on, so if planning on going to fos then that is the timescale that the bank can take.

 

I don't want to be too agresssive with my wording, but on the other hand not come across as a pushover.

Maybe just do a strong preliminary letter without much in the way of "if you don't do this, I will do that" kind of stuff.

 

Thanks again for any help I receive.

 

Stuart. :-)

 

ims

 

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Thanks once again IMS21!

 

I've just read on the Barclaycard website whilst looking for the right address to send to:

 

You can call us on 0845 755 5555 or write to us at:

Barclays PPI Dept

Leicester

LE87 2BB

 

We will ask you to complete a PPI consumer questionnaire from the Financial Ombudsman Service, downloadable from here. Sending us this form will ensure we have the information needed to process your complaint efficiently and as quickly as possible.

 

I suppose I should fill that in too - just to ensure they've got no excuses to respond to my request in reasonable time?

 

Stuart :-)

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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Thanks once again IMS21!

 

I've just read on the Barclaycard website whilst looking for the right address to send to:

 

You can call us on 0845 755 5555 or write to us at:

Barclays PPI Dept

Leicester

LE87 2BB

 

We will ask you to complete a PPI consumer questionnaire from the Financial Ombudsman Service, downloadable from here. Sending us this form will ensure we have the information needed to process your complaint efficiently and as quickly as possible.

 

I suppose I should fill that in too - just to ensure they've got no excuses to respond to my request in reasonable time?

 

Stuart :-)

 

Yep. I would Stuart

 

ims

 

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Can anyone give me the address for Barclaycard for requesting 'OVER LIMIT FEE' charges back?

 

I've seen so many not sure which to go for!

 

Thanks,

Stuart :-)

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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Hi Stuart

 

You could use this one but put in a line that says "If you are not the correct department, kindly forward to the office that deals with these matters"

 

Barclaycard

Customer Relations Department,

1234 Pavilion Drive,

Northampton,

NN4 7SG

 

ims

 

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  • 4 weeks later...

Update time:

 

Received a letter on 1st August offering me £1103.67 on the PBP claim. It's a quick response from them and a 'no quibble' offer so I'm happy to accept that even though it £400 short of my calculations.

 

Next up is the 'Over Limit Fees' claim I put in at the same time.

 

So thanks again for your responses to my queries and daft questions.

 

Stuarto :whoo:

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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Update time:

 

Received a letter on 1st August offering me £1103.67 on the PBP claim. It's a quick response from them and a 'no quibble' offer so I'm happy to accept that even though it £400 short of my calculations.

 

Next up is the 'Over Limit Fees' claim I put in at the same time.

 

So thanks again for your responses to my queries and daft questions.

 

Stuarto :whoo:

 

Exellent Result.....well done

 

Regards

 

ims

 

:whoo:

 

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Excellent news :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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