Barclays SAR explanation (PPI)

[skinny rib]

Hi All,

 

My dad has today received his SAR response from Barclays of which I am going through for him.

 

Your help will be greatly appreciated in answering my queries.

 

1. On the Prequal PPI under BID policies my dad has one for First Plus, does my dad complain to Barclays about this?

 

2. On the retail account details it lists Barclay loans plus the First plus loan mentioned above and 2 monument visas.

 

My dad had 6 loans with Barclays some with PPI.

 

The Barclay loans show a "Y" or "N" under the account PPI Flag section, but the monument visas and first plus loan show "I" under PPI flag. What does the "I" stand for?

 

3. If my dad did have PPI on the monument visa which was sold to him in branch at Barclays, does that mean he complains to them and not monument?

 

Thanks in advance

[dx100uk]

as the info on PPI has been under a return from an sar to barlays

you can sent the claims to Barclays

 

though I would send each one separately.

 

I would take I as one thus = yes he had it

 

can you not look at the statements to see if it shows monthly?

 

as for loans

if these were rolled over [refinanced] then PPI on a previous loan, latterly refinanced, the PPI would still

exist even if the refinance loan did not have PPI, unless a rebate for PPI were given.

 

link 1 below gives calc info

 

dx

[skinny rib]

Thank you for your response.

 

Although the paperwork showed 2 monument visas, it did not include statement for them.

 

With regards to the First Plus loan, having gone through the paperwork Barclays have already refunded this single premium PPI.

[dx100uk]

then ask them where the statements are then......

 

as for the loan how was it settled and when did Barclays refund the PPI

 

you really need to tell us the story

or we are poking in the cark here without all the info.

 

dx

[skinny rib]

Sorry for not explaining fully.

 

My dad is dyslexic so I am helping him complain about the PPI sold to him,

as I believe his branch who he has banked with over 30 years has taken advantage of his disability.

 

In early 2012 I complained to Barclays for 3 loans he had, plus overdraft protection on his account. This was successful and they refunded 15k.

 

Then Feb this year they refunded my dad 4k as they made an error when calculating the overdraft PPI from 2012.

This was a great surprise and got me thinking I better do a SAR to find out what else has been sold to him.

 

The first plus loan in 2009 was used to consolidate 2 loans with Barclays, plus one with Abbey and a monument card. I believe my dad remortgaged in order to clear the first plus loan in 2011.

 

Now I have seen two monument cards on the SAR so will be asking for statements.

 

Thanks for your advice.

Edited June 28, 2014 by skinny rib

[dx100uk]

ok makes sense now.

 

I would think you had PPI rollover into the 1st plus loan from the cards & the other loans too

 

link 1 below should give you the idea to work stuff out

 

dx