Barclays Loan PPI query

[ROME2MANDALAY]

Hi everyone

 

I had a loan 12 years ago when I was 18 and I am not sure if I paid PPI on this or not. As it was such a long time ago, I thought I would try my luck and find out if I did pay any.

 

I wrote to Barclays in December asking if they had any details of my loan and if they can see whether I paid PPI or not and they have written back to me saying that as it was such a long time ago that I took the loan out, and it was before they became a part of the General Insurance Standards Council, they have been unable to retrieve any details of PPI charges made to my account.

 

Is there anyway I could get hold of my policy No from this long ago or should i just cut my losses now?

 

Many thanks

 

Claire

[ims21]

Hi

 

You don't need the policy number.

 

What you would need is the agreement, statements etc.

 

You could try a Subject Access Request (SAR) but as it is so long ago you might not get much (if anything).

 

When did the loan finish?

 

Have you got any documents at all relating to this loan?

 

ims

[ROME2MANDALAY]

Hi there

Thanks for your reply.

I'm afraid I have no paperwork as it was so long ago. I think the loan was over 3 years so it would've finished 9 years ago.

 

Do you think it would show on my credit record, if I join Equifax?

Thanks

[ims21]

Hi there

Thanks for your reply.

I'm afraid I have no paperwork as it was so long ago. I think the loan was over 3 years so it would've finished 9 years ago.

 

Do you think it would show on my credit record, if I join Equifax?

Thanks

 

Hi

 

That length of time ago it won't show. You can always have a look under a free trial but make sure you cancel your subscription within the 30 days.

 

As I say, you could try a SAR but it would be a bit of a punt in getting anything from that long ago on a closed account.

 

ims

[slick132]

Hi Rome,

 

Given the dates involved, coupled with the fact that you don't even know if PPI was paid, I would forget this.

 

A SAR will show nothing about the loan if it finished about 9 years back.

 

I think you're on a hiding to nothing.