Help - PPI insurance certificates

[Ragdoll 1]

Hi, I am new to this so hopefully i'm posting this in the correct place.

 

I have / had several loans dating back to the 1990's to present , all except the last two (which are still running) included PPI and each loan paid off the previous one. I cannot remember ever remember receiving insurance certificates from Barclays on the loans taken out back in the 1990 to around 2005.

 

Is this normal for the bank not to issue a certificate?

[dx100uk]

welcome aboard.

 

yes.

 

have you sar'd them and got all the details yet.

 

have you got the agreements par chance?

 

you might also find link 1 below useful.

 

dx

[Ragdoll 1]

Hi dx,

 

i have SAR'd Barclays and just waiting for the details to come through.

 

I have a couple of the agreements which show that PPI was front loaded,

i am hoping Barclays will be able to supply the ones i am missing.

 

Until i started to read this website i did not know that the premium was paid up front

and interest was also added onto the PPI.

 

They never asked whether i had any other cover or whether i had a sickness package with work (which i have).

 

Like i mentioned i have only received insurance certificate for the two loans taken out around about 2006,

all other loans before this date i never saw any insurance certificates.

 

Even when i consolidated two of the loans to reduce my monthly payments, they still went ahead and included PPI.

[dx100uk]

well I hope you get everything

 

as you'll be in for one mighty windfall

 

dx

[Ragdoll 1]

Thanks dx, lets wait and see, you know what these banks are like with any excuse not to pay out.

[Ragdoll 1]

Hi, It has now been over 40 days since my SAR letter was signed for and i haven't received anything back from Barclays. Could someone please advise what my next course of action should be.

[ims21]

Hi

 

Failed SAR letter which is in the CAG library.

 

Also a complaint to the ICO.

[ims21]

Is this to do with Barclays issue in your other thread?

[Ragdoll 1]

Yes, the 40 days are up now and still havn't received anything. Going to give them until the end of the week and then send the Failed SAR letter as per your advice

[ims21]

Two threads merged re the same issue

[Ragdoll 1]

Sorry, I didn't know whether to add it to the original one or not.

 

Had a look in the library but can't seem to fine the failed SAR letter, can you please let me know where i need to go once im in the library

[ims21]

Here you go

 

http://www.consumeractiongroup.co.uk/forum/content.php?593-Data-Protection-Act-Non-Compliance-Template-Letters

[Ragdoll 1]

Thank you ims21

[Ragdoll 1]

Ok i've now received some of the documents from Barclays (not all of them but this could be because they are over 6 years old).

 

One loan -2006 to 2011 with PPI (claim made for 2 or 3 months) then paid off with loan 2 in 2011 with no PPI and still running

 

One stand alone loan with PPI 2004-2005 (Loan closed)

 

Five loans

- all paid off with each new loan (Loan 1 1993-1995 with PPI) paid off with

Loan 2 (1995-1999 with PPI) paid off with

loan 3 (1999-2000 with PPI) paid off with

loan 4 (2000-2004 NO PPI) paid off with

loan 5 (2003-2011 with PPI)

 

Loan 5 claim made for 2 or 3 months).

 

From what i can tell from the paperwork that was sent through

Loan 2 was consolidated but no paperwork for the loan in 1993

 

i don't no whether this was loan 1 consolidated with another that was taken out prior to 1993.

 

Barclays loan statement only shows loans rolling over 4 times,

however load 5 paid off loan 4 after a month of loan 5 being taken out, this is obviously why they haven't shown loan 5 as attached to loan 4.

 

Can someone please tell me whether i should send three seperate claims in

(2 loans / stand alone & 5 loans)

within a few days of each other or send them all in together but seperate questionaires?

[dx100uk]

one questionnaire

 

one spreadsheet.

 

have a read of no.1. below.

 

imho I would be writing back to Barclays demanding the data outside of 6yrs

 

we know they DO have it.

 

see shelley threads.

 

dx

[Ragdoll 1]

Barclays didn't send anything for the 1993 & 1995 loans, i guess they don't have anything going back that far or they would have sent them. This means i am unable to complete the spreadsheet as i need the information for loans 1 & 2 as they are part of a chain of 5.

[dx100uk]

have a read of the relevant threads under this users started threads

 

you'll be surprised what info BC do hold!!

 

Shelley181146

 

dx

[Ragdoll 1]

Barclays have sent me the account numbers for the 1993 & 1995 loans but no statements / agreements therefore I have no details of the amount of the loans and payment made. Surely if they had them they would have sent them?

[dx100uk]

don't you believe it

 

i'll get someone to pop in.

 

dx

[slick132]

Hi Ragdoll - popping in as asked by Dx.

 

Banks will avoid supplying data if they can, particularly because the older data supplied will end up costing far more than recent data because of interest.

 

Just so you can decide if it's worth fighting for the older data, can you recall roughly what the loan amounts may have been back in 1993 to 1995 and what the PPI rate may have been (perhaps based on the later available data).

 

I doubt a complaint to the ICO will force Barclays to supply data this old.

 

If you want to obtain older data from Barclays, you'll almost certainly have to take court action to force disclosure. This has been done by several CAGgers including Shelley, our own Webmaster, Kate999. See post #130 onwards here - http://www.consumeractiongroup.co.uk/forum/showthread.php?50148-Barclaycard-amp-Microfiche-they-are-wrong-OFFICIAL&p=3106958&viewfull=1#post3106958

 

I think you have a poor chance of winning a court case for disclosure because of the age of the loan a/c's and the fact that they're long closed.

 

However, Barclays tend to disclose at least some older data to avoid the case actually going into court.

 

While you consider these points, you should send Barclays a letter complaining that they've failed to supply all your data as required by your SAR. See the template here - http://www.consumeractiongroup.co.uk/forum/content.php?593-Data-Protection-Act-Non-Compliance-Template-Letters

 

[Ragdoll 1]

Thank you Slick132, letter going off to Barclay first thing tomorrow to see what else they can find.

 

Cannot find anything with regards to the 1993 loan, however I have managed to find some old statement showing the 1995 loan (which was consolidated) from what I can tell I paid £10,372 plus £861.09 which was paid off with loan 3.

 

On the 4th loan I paid £8701 plus £6400.84 which was paid off with loan 5.

 

The only old rate I can find in 1999 which was 13.9%.

 

Let's see what they come up with and then I'll send in the questionnaire.