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    • Indeed. I was just thinking 'Here we go again'. NHS trusts are saying they have problems and want to move to Plan B, Indie Sage scientists are saying things need to change. But HMG isn't listening and says everything's fine.    Meanwhile Chris Whitty has at least stressed the importance of masks, ventilation and so on. 
    • I have heartbreaking news my brother has died 😪 I am well and truly heartbroken😪 I am finding this difficult to write but i need to write this for my brother, There has been a catalogue of fatal errors by this gp practice and even by the hospital before/after the sleeping pills that should never have been prescribed.   background prior to the sleeping pill wrongly prescribed   Diagnaosed with vascular dementia 2019   May 2020   Weight loss reported NO dysphagia (Without any investigation GP writes NO dysphagia (swallowing difficulties which can lead to aspiration pneimonia, weight loss) Prescribed ensure   Jun 2020   weight/diet/nutritional assessment tasked DN team     Referral out    Community Referral for Elderly Care   june 2020 In view of suspected covid infection best to defer weight check/assessment There was no suspected covid infection, how gp got this? nobody called the gp and it was uk lockdown   Jul 2020 Eating & Drinking Complaint brother eating less and losing weight   Jul 2020 Dry cough over night. white phlegm noted Diagnosis: Viral upper respiratory tract infection     Jul 2020    57 Kg weight told Gp over the phone   24 Aug 2020  1 week poor appetite & drowsiness- keeps falling asleep Decrease in appetite   25 Aug 2020 Reported to GP 6 months of steady weight loss: 14kg (June weight 66, now 50kg) NO dysphagia (how without investigating further) If GP had investigated further it would shown my brother had swallowing difficulties which was causing the weigt loss and chest infections.   Feb 2021 Presenting complaint (XaIm8) - chesty cough phlem Diagnosis: Respiratory tract infection     Mar 2021  Presenting complaint (XaIm8) - not eating or sleeping Poor appetite (lost 1 stone since then) and poor sleep   April 2021 Serious reaaction to sleeping pills - causing 2 litres of uring retention indwelling catheter as posted in this thread and problems   18 Jun 2021 chest infection   30 Jun 2021  Chest Ingection Diagnossi should finish antibiotics and plenty fluids   7Jul 2021 Complaint - struggling to swallow large capsules Weight loss/not eating drinking properly Requested liquid version or smaller size capsules   9 July complaint - Please see yesterday's entry by and task sent to , sister saying pt hasn't taken Prostate medication for 4/7, urine rention building up, sistrer concerned requesting alternative medication, small tablet form if not available in liquid, sister says it is urgent for today. Re: patient unable to swallow due to size (approx 24.2mm x 7.7mm SmPC)   10 Jul 2021    Presenting complaint  - Please see 09.07.21 entry, patient still struggling to swallow tablet, urine retention building   July 2021 Nose dripping week, swallowing mucous For the last week cough with green sputum Note previous course of antibioitcs in june for chest infection longstanding swallowing problems - BUT NOT INVESTIGATED!!!!   1 Aug 2021 Feels has chest infection. cough 2 weeks- productive green phelgm Diagnosis: Chest infection - unspecified bronchitis   10 Aug 2021   blocked sinuses/runny nose despite 2 x recent antibiotics,just finished amoxicillin +probable viral infection no further antibiotics indicated observe for now   12 Aug 2021 Presenting complaint struggling with breathing sister concerned wanting Gp to review HOME visit tomorrow   13 August Brother taken to hospital diagnosed with exacerbation of copd steroid tablets, antibiotic tablets, antibiotics into vein in arm struggled to take bloods on 3rd attempt, left with bruised vein chest xray shows pneumonia sent home 7 days meds letter for Gp requests follow up chest xray in 6 weeks (NEVER DONE)   18 August 16 Aug 2021   Presenting complaint - discuss ambulance report thinks needs home visit everyday adv sister is reassuring he did not need nebuliser *brother was put on nebuliser in hospital in august, gp is wrong) A/E attendance likely all related to current LRTI     22 August 2021 Presenting complaint (XaIm8) Home visit Pnemonia. Chest still doesnt sound clear. 1 medication finished today 2 finishing tomorrow - steroids Home visit done by GP Chest clear, good AE B/L, no resp distress HS N, calves SNT, WWP, regular pulse Abdomen SNT Diagnosis: Chest infection NOS (XE0Xs)- resolved   24 Aug 2021  Home visit Chest clear, good AE b/l Diagnosis: Hay fever - unspecified allergen (X00l9)   I then made a private appoint with a respitatory consultant, he got access to the chest xray done in August 2021 and told me my brother had pneomnia in the right lung aspiration pneomonia caused by swallowing difficulties, food liquid going down wrong way into the lungs, causing infection leading to pneaomia. This consultant gave a report of findings, also askig GP to make referral to SALTS carry out swallow assessment. This referral was done far too late by the GP over 10 days delay and only after i kept on complaining why wasnt the SALTS team coming and my brother was down to 6stone in weight. I had to go private consultant for aspiration pneomonia  diagnosis on chest xrays done in August 2021 then give that report to GP to make a SALTS referral. The previous chest infections was aspiration pneomonia but GP clearly misdianosed inc on Home Visits after the August 2021 hospital attendance.   WEIGHT COMPLAINT!! 19 Sep 2021   Presenting complaint wanting to discuss weight loss Discussed - I will task DNs to carry out these reviews as too weak to come to surgery now. Also check weight/ BP I will refer to dietitian Diagnosis: Weight loss - AFTER 12 MONTHS and after lots of complaints GP DECIDES WEIGHT to 6STONE!! decided referral to diatcian after I tell GP!   22 Sep 2021    Recieved a letter from xyz clinic 2 days ago to ask GP doctor to arrange swallowing assessment about swallowing issues GP Diagnosis: Swallowing symptoms (XE0r7) - ONLY AFTER WE TELL HIM PRIVATE CONSULTANT FINDNGS. GP did not bother to investigate all the complains I made about swallowing difficultities. I went to private consultant to get dignosis on swallowing problems, despite makings lots of complaints to GP and being ignored. I was doing the Gp's job in getting the diagnosis for swallowing problems!!   24 Sep 2021 SALTS REFERRAL made  BY GP - ONLY AFTER I WENT TO PRIVATE CONSULTANT Please advise pt's daughter that the GP has messaged the secratary to refer the pt to SALTS referral     27 Sep 2021 Presenting complaint - Presenting complaint (XaIm8) Requesting powder sachets instead of premade shakes. Patient is struggling to swallow these as liquid is rather thick. Family have purchased a few sachets of powder and find these better for him. Also mentioned patient has lost around 1 stone in weight and are concern.   28 Sep 2021 Presenting complaint - Pt having swallowing issues and pt taking Movicol sachets but still constipated as struggling to swallow down properly. DN   GP DOES Hospital Referral for Feeding/ Swallowing AFTER COMPLAINT MADE   30 Sep 2021    Presenting complaint - Unable to swallow movicol properly therefore family request another enema. requests GP to assess first as has had 2 enemas fairly recently already. ongoing swallowing issues - sister says losing weight fast. Been referred to SALT & this has been marked as urgent now.   4 October 2021    Presenting complaint - Concerned about ongoing swallowing issues ?chest infection. says chockes whilst drinking ensures- SALT referral sent E&D less leading to weight loss -Dietician referral sent Patent airways Chest clear, good AE B/L MEDICAL NEGLIGENCE - SEE 5th October!! (This GP is on audio recording telling us the chest is clear)   5th October follow up appointment with private respitatory consultant Diagnosis pneomia due to aspiration (swallowing diffuclties/dementia) Prescribed 4 months of maintenance antibiotics Diagnosis pneomia when the GP the day before said everything was clear!!     7 Oct 2021   Complaint - Why SALTS team not been for assessment, should be marked urgent brother weigh down to 5.5stone. Says spoke to SALT team last week - will be complaining as SALT referral recieved on 21/9. Apolagised for this but on system it was actually sent on 19/09/21 Diagnosis: Swallowing (Xa4M7) -> (ignored my complaints for over 2 years on swallowing problems, and put no dyspghia on my brothers record 2 years ago - when swallowing problems were going on even abck then.   10 Oct 2021   Spoke to sister who has spoke to SALT team on 02/10. Felt SALT nurse was rudee. Says nurse said appointment may take some time ?due to back log of patients in covid period GP then contacts SALTS team to try expedite appointment Diagnosis: Speech and language therapy     12 Oct 2021 Private swallowing assessment done by speech therapist because the GP and SALTS were going aound in circles and brother rapidly losing weight! Private assessment shows serious swallow problem, recommends SALTS team urgent see my brother   15 Oct 2021 Brother coughs up phelhm with blood 1 time in day, reported to GP and request home visit   16 Oct 2021 GP home visit, checks chest, says clear and nothing to worry about - on video GP says brother has blood clot in lungs, go AE and wait, tell GP brother too frail weak, weight 5stone, unable to wait in AE. Request GP make arrangement for xray, bloods, ecg at hospital so brother no need to wait in AE. GP says NO, you have to wait AE. GP will arrange ambulance to go to AE where you WILL HAVE TO WAIT even if it means waiting 6-7hours. Inform GP this is impossible. GP leaves. Calls back in 20mins says NO BEDS available, you just have to wait in AE if it means waiting 7 hours then just wait. Explain the difficulty dementia, too frail, high risk of catching bug and request GP arrange time for brother to go into hospital for bloods, xray, ecg etc, GP says no. Then turns the conversation around telling me 'so your refusing to take your brother to hpstal, if he dies its your fault, i will put that down on his records'. GP hangs the phone.   10 mins later brother collapses, ambulance called, oxygen given, stats up. Taken into hosital, where immedialtely the staff tell me your brother is emacitated dehyradted way too much, all skin and bones. Tell staff, swallow problems, weight loss, complaints to Gp, Gp not listening etc. Brother kept in overnight put onto IV fluids. Discharged the next day   few days later, brother health deteroriates, paramedics to the home, say its pneomonia, i tell them its aspiration pneonua, they agree, explain the swallow problems, weight loss. They say you need to complain to GP.   Oxygen provided, stats go up, paramedics leave 2hrs later stats drop ambulance called, oxygen given 1hhr stats go up, ambulance staff they cant leave oxygen again because 2nd time called to house. They call GP to house with injections inc morphone, which thankfully were never used. Brother passes way at home   My brother died weight was under 5stone, he was skeletone and bones, weight loss problems, swallowing problems complaints made over 2 years and nothing was done until the last couple of weeks only after I went to private consultant for diagnosis, who sent his report the ignorant gps, the same for the private speech therapist report to gp   Gp only refer to dietiacian when brother weight down under 6 stone!! In 2 years no demential assessment done, only done last 2 weeks of brothers life after I complained to GP   This is what I can remember, they will be things I have forgot to add. I am devastated.                                                                                
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Barclays Personal Loan PPI Claim


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Hi MC

 

See my answers in red

 

I'm out till about 9pm tonight but will be back on-line then

 

Regards

 

ims

 

 

Thanks again ims, as always you are a star.

 

It is very reassuring that you have checked my calculations and to know that I'm not a complete maths numpty.

 

So, as rergards the track, is this something that is open to argument? One would have thought that it should be fairly black and white, but not being very familiar with these things, what do I know!

 

I guess a suitable tactic would be to include a reduced 'without predujice save as to costs' offer along with the prelim' letter and SOC, so Mr DJ can see that we did try to avoid going to court, which should have positive cost implications.

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi

 

Maybe PM andyorch as he's good on the legals and the detail on that front.....very helpful.

 

Regards

 

ims

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Hi

 

Maybe PM andyorch as he's good on the legals and the detail on that front.....very helpful.

 

Regards

 

ims

 

Hi ims,

 

Thanks for the advice. I'll wait to see what the victim wants to do, which I think is going to boil down to the likelyhood of a sucessful court claim, and give andyorch a shout if need be.

 

I'm just waiting for the SAR to come back so that I can check a few details, mainly how much they paid out on the PPI insurance before pulling the plug, which is believed to be one or maybe two months tops.

 

Cheers again,

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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  • 1 month later...

Hi all, just an update on this.

 

Barclays have failed to respond in any way, shape or form to the DSAR. I beleive the 40 days were up today (possibly earlier). So where do we go from here? We were waiting on the SAR to do final calculations i.e. what they had paid back on the policy, which we beleive to be one months loan payment, before they pulled the plug on the basis that he was self employed (despite him being self employed from the outset).

 

Complaint to the ICO & proceed with the claim and argue the figures later?

 

IMS, anyone?

 

Thanks.

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi

 

Personally I would write to the lender informaing them that they are now in breach of the DPA and that you require the requested information within 14 days. Failure to comply with the ACT will result in a formal complaint to the ICO and that you may also take court action to force compliance and seek damages at the court's discretion.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Hi

 

Personally I would write to the lender informaing them that they are now in breach of the DPA and that you require the requested information within 14 days. Failure to comply with the ACT will result in a formal complaint to the ICO and that you may also take court action to force compliance and seek damages at the court's discretion.

 

ims

 

Thanks for the advice ims, I guessed it would be something along those lines, but wanted to check. I'll get on it and report back as soon as there is any news.

 

regards,

 

mc

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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:thumb:

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Hi

Had exactly the same problem with my SAR.

Wrote and called Barclays -they returned the letter with 'wrong account number' scribbled across it!

When I called they did not grasp the issue around not fulfilling the SAR on time, but they did give me a complaint number and as I ha d said this was in relation to PPI, they said this started the clock ticking. Also said theior PPI people would contact me - that hasn't happened.

Received the SAR on 14 Nov requested it on 7 Sept.

I would advise writing but also ringing their complaints team and registering a PPI complaint so at least while you are waiting for your SAR , the 8 weeks they have to respond has started .

I submitted my questionnaire last week and referenced the PPI complaint number and gave them 8 weeks from that date to respond.

 

I think getting a complaint reference was the key to getting my data as writing had no effect in my case as tje SAR turned up a week after I made the call.

 

Good luck

 

Regards

W

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  • 4 months later...

Hi again, long time no post as I've been super busy with work and other stuff.

 

Barclays are still ignoring the DSAR request. I sent a letter 20/02 giving them a further 14 days to comply or further action would be taken without further notice; still nothing!

 

So do we issue a court claim? Plus damages? Some help here please to get me started.

 

Thanks

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi MC

 

Good to hear from you.

 

So no response to the SAR then?

 

I would now send them a 7 day lba and then issue in court to force compliance

 

Here is a thread which deals with a "failed SAR Court Action" which you might like to read

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**

 

It will outline the steps to take to get them into court for non-compliance

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Hi MC

 

Good to hear from you.

 

So no response to the SAR then?

 

I would now send them a 7 day lba and then issue in court to force compliance

 

Here is a thread which deals with a "failed SAR Court Action" which you might like to read

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**

 

It will outline the steps to take to get them into court for non-compliance

 

ims

 

Hi ims,

 

Good to hear from you too, hope you are keeping well. Once again, thanks for jumping to my aid.

 

Nope, deafening silence from Sharklys.

 

I've just emailed a fromal complaint to the ICO, can we still send an lba?

 

Thanks for the link, I shall digest.

 

Thanks,

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi ims,

 

Good to hear from you too, hope you are keeping well. Once again, thanks for jumping to my aid.

 

Nope, deafening silence from Sharklys.

 

I've just emailed a fromal complaint to the ICO, can we still send an lba?

 

Thanks for the link, I shall digest.

 

Thanks,

 

MC

 

 

Ah ok...didn't know you'd e-mailed.

 

Maybe see what the produces first but if nothing then I would issue if it were me.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 3 months later...

Hi ims,

 

Hope you are well and apologies for the extreme delay in updating this thread.

 

The current situation is that, following the complaint to the ICO, we received the DSAR from Sharklys (7 months after the original request).

 

All of the required info appears to be present, but it has thrown some light on something quite odd. On the loan account statement, there are three consecutive payments made from: BIDL CLM SERV A/C to the loan account. Which we assume is when they paid the monthly loan payment as a result of the insurance claim, before Sharklays refused to make any further payments. But, and it is a big but, they were still taking the payments from his current account as well!

 

The three payments made from BIDL CLM SERV A/C in July/Aug/Sep 2002 are all followed by the usual Standing Order payment; a check on the current account statements of the same period confirms that the payments went out as usual (despite the insurance claim).

 

A bit naughty don't you think!

 

How does this impact the reclaim? I must admit to being totally confused now as a result of this and am not sure how to apply the payments to the spread sheet.

 

Any advice greatfully received.

 

 

Regards,

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi

 

So the insurance paid out and the bank still took payments as normal. Very naughty.

 

However this will not affect the claim.....the money was still paid by the claimant and he wants it back. Think of it as what money he actually paid out and that is what he wants back. The fact that the insurance paid out too is up to them to sort out.

 

So just proceed as normal.

 

I see you were debating the court or fos route. As has been said, you need to consider the implications of costs should a court case be lost (given the quantum of the claim). In a court action the onus of proof of mis-selling will be on the claimant.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi ims and thanks for your reply. OK that is clearer.

 

Yes that has been some umming and ahhing as regards which route to take and the claimants decision is to go via the FOS.

 

As I have been out of the loop for some time, I'm a tad rusty on the process, but will re-read the necessary info.

 

I guess I need to complete the stat interest excel sheet, complete the FOS questionaire and send it off to Sharklys.

 

Just one question if I may, as regards what the insurance paid out, do I just deduct what they paid from the final figure on the stat interest excel sheet?

 

Thanks again ims for your help and advice.

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi

 

Yes fos questionnaire, spreadsheet and brief covering letter.

 

And yes just make a deduction for the amounts received.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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Hi

 

Yes fos questionnaire, spreadsheet and brief covering letter.

 

And yes just make a deduction for the amounts received.

 

 

Thanks agian ims.

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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  • 3 weeks later...

Ok, so we have received a response and I'm now not sure how to proceed.

 

The claimant received two letters of acknowledgement, intially we thought that one was just a duplicate. But now he has received a further letter, which rejects the claim on the second loan on the basis that there was no PPI on it.

 

So it looks like they have split the claim into two; hence the two acknowledgements and the final response as regards the second loan.

 

It sems to me that as Barclays won't be offering a repayment on the rolled over portion of PPI, then the whole claim has not been dealt with properly.

 

Do we have to wait for the response on loan one before going to the FOS or should we proceed with a complaint to them?

 

Cheers,

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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  • 3 weeks later...

Update:

 

it seems that Barclays have stumped up part of a refund (on loan 1) to the tune of around £2,500. However, we are still short the rolled over portion, amounting to approximately £300.

 

 

Interestingly, although Barclays wrote saying that they rejected a refund on loan two, they have not written to confirm the claim/payment that they made on loan 1; which was probably two weeks ago.

 

You would think that they would would write and explain the payment made. So I am wondering why they haven't, perhaps they are leaving us in the dark until the time limit to complain to the FOS has expired?

 

Some advice please would be greatfuly appreciated. i.e should we forge ahead with a complaint to the FOS or wait until the deadline has expired for Barclays to respond to the PPI claim?

 

I'm inclined to go to the FOS now as they have rejected the loan 1 portion, which means that our claim will not be fully dealt with. ????????

 

Thanks in advance.

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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If it were me I'd write to them demanding the detail of the refund they have made so you can see exactly what is included.

 

You have six months from a written final decision to refer to fos OR if they have not dealt with your PPI complaint within 8 weeks.

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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If it were me I'd write to them demanding the detail of the refund they have made so you can see exactly what is included.

 

You have six months from a written final decision to refer to fos OR if they have not dealt with your PPI complaint within 8 weeks.

 

 

Thanks once again ims. I will follow your advice and report back as and when.

 

Cheers,

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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