information on sar

trish2568

Please help i,m new to this.if i request a sar from a company how long do they go back?to the start of the account or limited time?thankyou in anticipation

di3004

trish2568 wrote: »

Please help i,m new to this.if i request a sar from a company how long do they go back?to the start of the account or limited time?thankyou in anticipation

Hi Trish

Also replied to your other post, but not to worry.;)

If you live in England and Wales its 6 years, Scotland 5 years, not too sure on anywhere else.
SAR link with full details:
http://forums.moneysavingexpert.com/showthread.html?t=1475553

If you require any help with the reclaiming let us know, but here is the link with templates and useful information, they have 8 weeks to respond in full and another letter maybe required if they don't resolve in your favour the first time round. Write in your own reasons of mis selling in the template letter.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Keep on at them until you receive their final response, they will then give details of the financial ombudsman service (FOS) if eligible.

Post by recorded delivery.
Good luck and let us know if you require further help.;)

trish2568

thanks had a few bog standard letters in reply to my first template saying the usual that i agreed to it.been with barclay since 1999 and in june 2007 they say i purchased pbp from them??????????why would i not have done previously when opening the account.has anyone else experianced this 1????baffles me.what do i reply to that?please help i feel a bit despondant

di3004

trish2568 wrote: »

thanks had a few bog standard letters in reply to my first template saying the usual that i agreed to it.been with barclay since 1999 and in june 2007 they say i purchased pbp from them??????????why would i not have done previously when opening the account.has anyone else experianced this 1????baffles me.what do i reply to that?please help i feel a bit despondant

Hi Trish

So you already sent in a reclaiming letter and they fobbed you off with a well known standard letter?

I would not worry about this, and if this was the first letter, I would write back and tell them you want this reconsidered due to your reasons in your letter and tell them you still stand by your reasons, if they do not resolve this matter, you will take this further, such as with the Financial ombudsman service or further advice on how to retreive your refund.

I would keep on at them until you receive the final letter, which should give details of the FOS and the FOS should consider this also.;)

dunstonh

why would i not have done previously when opening the account.

Plenty of reasons. Circumstances change. You decided against it at one time then changed your mind. You just have to look at the insurance section to see how many people didnt buy it when they started but are now taking it out through their own choice.

trish2568

I was on maternity leave at the time 2mths into it.Would have told any financial organisation that.I never approached them and asked for it

dunstonh

Just be wary of making assumptions or jumping to conclusions when making a complaint. Plenty of people have lost their complaints on the basis of making a wrong assumption that could be proven otherwise and in areas of balance of probability decisions, the party that is more credible is often the one that wins. The one jumping to all sorts of assumptions (and often making things up to make their story sound more convincing) is often the one that loses where there is no documentary evidence.

trish2568

thanks for the advice.on their letter it does not state how it was sold to me.Going to rewrite to them and ask how it was sold to me via what method.Doing nothing else until then

trish2568

quick update,previous letter from barclay card states that i purchased pbp in june 2007(highly unlikely i was on mat leave)and cancelled in july 2008.wrote back to them asking in which format it was purchased.recieved a swift response from them today telling me that when they took over the account from monument it was there.Barclaycard took over from monument long before june 2007.i have this stated in black and white from them that this was when it was purchased.what now a sar?or a reminder in a photocopy of their previous letter?thanks

di3004

trish2568 wrote: »

quick update,previous letter from barclay card states that i purchased pbp in june 2007(highly unlikely i was on mat leave)and cancelled in july 2008.wrote back to them asking in which format it was purchased.recieved a swift response from them today telling me that when they took over the account from monument it was there.Barclaycard took over from monument long before june 2007.i have this stated in black and white from them that this was when it was purchased.what now a sar?or a reminder in a photocopy of their previous letter?thanks

Hi Trish

Personally I would say a SAR, because this would or should have the information from the beginning of when you taken this out and of any changes.;)
http://forums.moneysavingexpert.com/showthread.html?t=1475553

trish2568

thanks.my thoughts were leaning towards that way.