Barclays Bank unable to find accounts for PPI - even though paper evidence has been provided to them

[Challenging]

I submitted my PPI complaints to Barclays on 19th May 2011 and 6 months later I am still no further forward. They initially responded on week 17 to state that they couldn't trace any policies in my name and therefore didn't uphold my claims but luckily I had SAR'd them 3 years earlier and had the policy numbers and screenshots to prove I had taken out insurance. I then rang back the day after and it then took them a further 6 weeks to reopen the claims (end October 2011). They told me last night that I my claims are unusual in that they are having trouble tracing the policies (despite providing them with references). I have referred the matter to the FOS but apparently they are taking 6 months to respond?? Will they have to uphold my complaint if they can't find the paperwork even with the references?

[citizenB]

I submitted my PPI complaints to Barclays on 19th May 2011 and 6 months later I am still no further forward. They initially responded on week 17 to state that they couldn't trace any policies in my name and therefore didn't uphold my claims but luckily I had SAR'd them 3 years earlier and had the policy numbers and screenshots to prove I had taken out insurance. I then rang back the day after and it then took them a further 6 weeks to reopen the claims (end October 2011). They told me last night that I my claims are unusual in that they are having trouble tracing the policies (despite providing them with references). I have referred the matter to the FOS but apparently they are taking 6 months to respond?? Will they have to uphold my complaint if they can't find the paperwork even with the references?

 

So is this now with the FOS or is B/shark still handling the complaint ?

[Challenging]

It's still with Barclays. Have had no response from FOS yet (sent 3 weeks ago).

[citizenB]

It's still with Barclays. Have had no response from FOS yet (sent 3 weeks ago).

 

Did you send the complaint to the FOS by way of either email or a tracked method of posting?

 

How old is this account/policy and was it a credit card where there would have been a monthly premium or a loan (single premium) ?

 

I have asked someone to look at your original question.. but it might be a good idea if we start a specific thread on this. I will sort that out for you.

[Challenging]

Hi, thanks for the help. One was for an old mortgage (1998) - monthly premium, and the other a personal loan (2002) - monthly premium. I will resend the letter to FOS by recorded delivery.

[homerisright]

Hi CAG Forum

 

I have just noticed this post whilst looking up information to challenge Barclays. I have received a letter stating that they cannot locate a policy in my name. At the same time I am also looking to challenge their previous letters (from some years ago) that my data is held on a microfiche and cannot be easily acceptable.

 

Any help with either of these problems would be a real bonus.

 

Successfully claimed from Santander and MBNA.

 

Thanks

 

Homerisright

[citizenB]

Hi CAG Forum

 

I have just noticed this post whilst looking up information to challenge Barclays. I have received a letter stating that they cannot locate a policy in my name. At the same time I am also looking to challenge their previous letters (from some years ago) that my data is held on a microfiche and cannot be easily acceptable.

 

Any help with either of these problems would be a real bonus.

 

Successfully claimed from Santander and MBNA.

 

Thanks

 

Homerisright

 

Hello Homer, have a read of the thread linked below, it should help you challenge the microfiche issue with B/shark.. if you have any further questions in respect of your situation, can I suggest you start your own thread

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?50148-Barclaycard-amp-Microfiche-they-are-wrong-OFFICIAL

[homerisright]

Thanks for the Link

[ims21]

Hi Challenging

 

Dropping in as requested by CB.

 

So you have the solid evidence of these policies and the reference numbers. If they show a clear link to the account then in my view it is the lender's problem that they can't find documentation.

 

In your SAR did you get any transaction history on the account(s) from which this PPI was taken?

 

ims

[Challenging]

Hi Yes, I wrote to them a few years ago requesting a full summary of all details held on me. They replied to me and included screenshots of all of my accounts and in addition to the policy numbers there was an insurance taken out indicator Y/N, marked yes. There was a transaction history for the loan and mortgage accounts including date taken out, amount borrowed/paid etc but not a breakdown of the individual insurance amounts. Think they have obviously traced the agreements but suspect they are having trouble in providing evidence that the policies weren't missold.

[ims21]

Hi

 

On your policies does it say who the underwriter was....Barclays or some other company?

 

ims