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Barclaycard & Lloyd’s Credit Card PPI


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Hi,

 

I hope someone can help/give advice.

 

I had Lloyd’s Visa & MasterCard from 1993 & Barclaycard MasterCard & Visa from 1995.

 

I filled in an online request for information for the Barclaycards & received a letter in the post stating that I had ppi on Visa card 30/01/95 - 20/10/98 & on MasterCard 27/07/95 - 24/05/04 Then received an email link to secure message portal to download the information I’d requested.

 

All that amounts to is 3 copy statements from 2007 with zero balance & dreadful photocopies of original postal applications where the box saying I wanted ppi is ticked. I certainly don’t remember ticking it.

 

Did an SAR for Lloyd’s...received a pile of statements oldest being from 2000 & showing no itemised ppi

there is however a terrible quality photocopy of my original application from 1993 again with the ppi box supposedly ticked.

 

I’m new to all this...is there any point me attempting to claim back ppi ?

I certainly never received any ppi terms & conditions or anything & wouldn’t have been able to claim on it....didn’t even know I had it.

Any advice welcomed.

 

Thanks

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Absolutely, it is worth pursuing.

 

You should begin by sending them each an SAR. When you get the SAR look carefully at what you get and also at what might be missing. They have 30 days to respond. It is free of charge. Come here when you get the disclosure.

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The VERY limited information I received from Lloyds was in response to an SAR posted recorded delivery on 9th September.

Will try another one & possibly report to The Data Commissioner as they appear to have decided what they want to send me rather than send all relevant information they hold.

 

Will SAR Barclaycard

 

RBS haven’t even acknowledged SAR sent to them recorded delivery 9th September !

 

Thanks for your input

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Then you should complain immediately the information Commissioner about any delays. The bank seem to be establishing a culture of delay and they seem to be putting two fingers up to the GDPR rules.

 

If you wanted to start an action against RBS and we would help you. We've just had a very interesting result against Lloyds although I'm unable to give you the full details because they are confidential. However, I can pretty well guarantee you that once they have exceeded their deadline, if you want to bring an action then you wouldn't be disappointed.

 

Begin by making a complaint to the ICO immediately. It's free. You will get a message from the ICO saying that it appears that they may not have complied with the GDPR regulations. This is enough to face a legal action. You will get some compensation and it will be fun.

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  • 1 month later...

Hi, the ICO suggested I try & resolve with the banks before making a complaint to them !

 

I have written to Lloyd’s & Barclays again re. their non-compliance stating that if they don’t comply in full with my request I will raise a formal complaint with ICO.

 

RBS finally responded... a tatty brown, thin, recycled envelope ripped open with statements spilling out !

 

Hand scrawled address...No covering letter & ignored request for loan agreements that may have PPI..

 

.took photos of the package before I opened it...

going straight to the ICO about them...

disgusting

Edited by dx100uk
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