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Sent SARs? Confused - Reclaiming PPI/charges? Barclaycard, Barclayloan, Natwest card?

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Hi all,


Wanting to try to reclaim PPI (and possibly late payment / exceeding limit charges?) for my girlfriend and confused about exactly how to do it?

Have just tried to look around the forum but there are so many links and reems of information

and I am not sure exactly what to do. is there a simple step by step guide relating to the below?.....


Have been sat on a lot of this info since 2012 when we sent SAR requests

- with the intention being to try and sort out her credit rating (due to previous defaults entered relating to the accounts below).

We haven't followed up on all of this quickly as just been too confused and stressed with other financial worries

- and just want to try and sort everything now.


Have recently come to realise that PPI/charges may be reclaimable...

.looked into it for a while and then lost all the information due to computer being stolen, and then just haven't followed up.


From the paper notes/SAR info I can state the following:


3 Accounts


2 with Barclays - got SAR information August 2012.


1 - Barclayloan 2001-2002. Was paid off fully.

Statement shows an "Insurance Premium" of £45 - which I've noted was "added to loan value" (via previous research on this forum?).



Have noted £45 charge + circa £55 interest claimable"

Must have been a spreadsheet/calculator I used?

Not sure which or how to do this now?

Calculate it on a spreadsheet + interest - write this into a letter and claim


2 - Barclaycard - defaulted Jan 2005.

Passed to HFO services. circa £3000 balance.



She ended up giving in to threatening letters and phonecalls and paid a total of around £600 to HFO services over a few months.

Hence won't be stat barred until 2018.

However - no CCA provided, HFO services seem to have had all sorts of issues....advised on here this is "deadlocked?" - not received letters for over a year.


Statements received in SAR show PPI totalling around £170 was charged.

Another £25ish was charged for some sort of "CVR accidental death" thing..

..and then another £160 of exceeding limit and late payment charges was added - £20 per time. (All of this over about 8 months).



I have made a note stating "circa "£340 charges + £250 interest recalaimable??"

Assume using a calculator on here?



Is this a case of calculating/adding up charges on the statement - working out interest somehow - then sending this with a letter as a claim?


3 - Natwest Credit Card.

Balance defaulted Jan 2009.

Last payment few months prior. Stat barred now, no contact for over a year.


We wrote and asked for SAR info August 2012, but Natwest replied saying

they had a different address and require proof of address and the SAR resubmitting.



Did get some info back in response to S78 which shows PPI was included on the account though

- but don't have full statements to see how much.



Assume need to resend SAR now, get statement then.....not sure what to do next?



Use a spreadsheet to calculate a £ figure and then put it into a letter?


Thank you for any help or pointing in right direction!

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spreadsheets are here.






for the loans, you'll need statint sheet

and follow link1 below



just enter the PPI monthly figure for each month on the date it was taken

the sheet does the rest.



for credit cards

its a wee bit more complaibate.



you could use the FOSRUNNING if you want to put in all the info it requires

read the red notes tab.



or you could use the FOSCISHEET.



same MO as for loans.






as for PENALTY charges

if they are with in 6yrs you can reclaim them easily

but for now

I'd get the PPI sorted.






some banks are now auto including PENALTY charges that, had it not been for PPI

would not have been levied.

so's might be an idea to get the PPI done first.




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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