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Hi there.

 

Just on the off chance my husband sent a request to Barclays to see if he had PPI on any of his cards.

 

It turns out he had it on his Barclaycard Mastercard from Sept '97 until Dec 2004 and on his Barclaycard Visa from Sept '97 until Aug 2015.

 

What would be our next step forward please?

 

Thank you.

Edited by dx100uk
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Sar time

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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  • 1 month later...

A few months ago my husband found out from Barclaycard that he had PPI on his Mastercard and Visa.

 

He had it on his Mastercard Barclaycard from 01/09/97 until 23/12/2004 and on his Mastercard Visa from 01/09/97 until 25/08/15.

 

He then made a CCA request hoping it would show whether he had ticked boxes to say he wanted PPI and give employment details as he was self-employed at the time he applied.

 

Today he received a letter but the information given about each card doesn’t help with what he wants to know.

 

For one card it just says they are unable to provide a copy of the credit agreement and for the other they’ve sent a ‘reconstituted copy’ of the terms and conditions.

 

How does my hubby go about getting the information he wants to know?

He feels he may have grounds for a claim on the basis that he was self-employed at the time of getting PPI and it may not have covered him had he become unemployed.

 

Many thanks in advance if anyone can help with this.

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A CCA request was not the way to go. He should be sending an SAR. Send an SAR immediately and make sure that the request is worded generally to include everything they have on him in any form in respect of any matter. Accompanied by a cheque – not a postal order – so that he can more easily keep an eye upon the progress of the request.

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sar

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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  • 3 weeks later...

A few months ago my husband found out from Barclaycard that he had PPI on his Mastercard and Visa.

 

He had it on his Mastercard Barclaycard from 01/09/97 until 23/12/2004 and on his Mastercard Visa from 01/09/97 until 25/08/15.

 

He first made a CCA request hoping it would show whether he had ticked boxes to say he wanted PPI and give employment details as he was self-employed at the time he applied.

 

He received a letter but for one card it said they were unable to provide a copy of the credit agreement and for the other they sent a ‘reconstituted copy’ of the terms and conditions.

 

Next, thanks to the advice of the some helpful forum members on here, he sent a SAR request about three weeks’ ago but all he got back was two envelopes containing the same Barclaycard terms and conditions booklets. There were no letters of explanation at all!

 

We are both quite disgusted by their behaviour.

They haven’t supplied us with anything we’ve requested.

 

We really don’t know what to do now.

 

Is there anyone we could complain to?

 

Many thanks in advance.

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three threads merged on same issue

please keep to one thread.

 

give them a ring and ask if there is anymore data to come

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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A few months ago my husband found out from Barclaycard that he had PPI on his Mastercard and Visa.

 

He had it on his Mastercard Barclaycard from 01/09/97 until 23/12/2004 and on his Mastercard Visa from 01/09/97 until 25/08/15.

 

He first made a CCA Request hoping it would show whether he had ticked boxes to say he wanted PPI and give employment details as he was self-employed at the time he applied.

 

He received a letter but for one card it said they were unable to provide a copy of the credit agreement and for the other they sent a ‘reconstituted copy’ of the terms and conditions.

 

Next, thanks to the advice of the some helpful forum members on here, he sent a SAR request about three weeks’ ago but all he got back was two envelopes containing the same Barclaycard terms and conditions booklets. There were no letters of explanation at all!

 

We are both quite disgusted by their behaviour.

They haven’t supplied us with anything we’ve requested.

 

We really don’t know what to do now.

 

Is there anyone we could complain to?

 

Many thanks in advance.

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Please will you stop creating new duplicate threads on this issue.

I have merge the threads but if you continue I'm afraid that we may have to close the discussion and prevent you from posting anything further.

 

It is highly disruptive and it causes confusion amongst the people who would be very happy to help you if you simply kept to a single discussion thread

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Hi there. Sorry for this but I posted 'Barclaycard not helpful with CCA or SAR requests' on Post New Thread but it came up with all my other previous messages. I then tried to do it again but the same thing happened. Do you know why this is the case? I'm scared to try it again. Many thanks.

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YOU KEEP TO ONE THREAD

there are far more people viewing this one than you starting a new one

 

as you do all the people that have posted get an email alert

when you start a new thread - no one gets anything so you have to hope someone sees it!

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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so now read post 8 please and answer it

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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Sorry but I'm really confused now. Do you mean I shouldn't be starting a new thread? I also don't know what you mean about answering post 8 as that's what I've posted.

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you keep any questions related to your PPI claim in THE SAME THREAD

this one!

 

post 9 sorry please

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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you keep any questions related to your PPI claim in THE SAME THREAD

this one!

 

post 9 sorry please

 

Sorry but what do you want me to answer?

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three threads merged on same issue

please keep to one thread.

 

give them a ring and ask if there is anymore data to come

 

^^^^

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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