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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?

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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.

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well I hope you get everything

 

as you'll be in for one mighty windfall

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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.

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Hi

 

Failed SAR letter which is in the CAG library.

 

Also a complaint to the ICO.

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

 

 

 

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

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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Two threads merged re the same issue

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

 

Link to post
Share on other sites

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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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?

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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.

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

 

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

 

Shelley181146 user-offline.png

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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?

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don't you believe it

 

i'll get someone to pop in.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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

 

:wink:

We could do with some help from you

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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.

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