PPI Barclays Secured Loan

debasur

Hi all
I am sure that a secured loan i had with Barclays was sold with PPI as part of the loan ie they said i had to have it to take out the loan. This was 5/6 years ago, and after having the loan for 2 years i paid it off. I have been trying to find the paperwork i had but can not find it anywhere to prove if this was the case or not. Where do i go from here? Even if i paid the loan off i think the premium for the insurance was paid off in full as well so i believe i may have a case to reclaim it. Can any one point me in the right direction?
Thanks
Mark

di3004

debasur wrote: »

Hi all
I am sure that a secured loan i had with Barclays was sold with PPI as part of the loan ie they said i had to have it to take out the loan. This was 5/6 years ago, and after having the loan for 2 years i paid it off. I have been trying to find the paperwork i had but can not find it anywhere to prove if this was the case or not. Where do i go from here? Even if i paid the loan off i think the premium for the insurance was paid off in full as well so i believe i may have a case to reclaim it. Can any one point me in the right direction?
Thanks
Mark

Hi Mark

You could request for a Subject Access Request (SAR), where they have 40 calendar days to comply and send all they hold on your account, going back the last 6 years.
There is a SAR template letter for this here;
https://forums.moneysavingexpert.com/discussion/1475553
You enclose £10 cheque or postal order for this request.

Another way, which is the cheapest way - you can try requesting for copies of your agreement, but they don't always hold on to these on settled accounts, but it maybe worth a try.

Just write a simple letter to request for a copy of your agreement, and give your account number details, and enclose a £1 cheque or postal order, ask they comply and send by 12-14 days.

Then onto the reclaiming.....
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
You will come across a reclaiming ppi questionnaire that replaced the first reclaiming template letter on this site, further down the page on above link as stage one.
Complete, and send to whoever set up and arranged the policy from the start.
Keep a copy for your records, as you may need to refer to it sometime.
They have 8 weeks to give a decision, although they may ask for more time and give a timescale of when you should hear, that is fine, just as long as you know where you are.

You can write a cover letter if you want to - to enclose with the questionnaire, that is up to you.

Good luck, please keep us updated, cheers.;)

debasur

thanks Di
i have`nt got any account numbers though as have`nt got any paper work. So i presume i can just send as much detail ie name address date of birth etc and they will be able to track it down.
Will give it a try and let you all know what happens

di3004

debasur wrote: »

thanks Di
i have`nt got any account numbers though as have`nt got any paper work. So i presume i can just send as much detail ie name address date of birth etc and they will be able to track it down.
Will give it a try and let you all know what happens

Yes that is fine.

Also just to say, if you been paying for the loans etc from your bank account you use now, then the account numbers should be shown next to the monthly repayments on statements, so if you bank online, this should also allow you to go back about 7 years or so.

Otherwise, yes give them as many details as possible.;)

debasur

Hi all
I have tracked down my account number now , though have not heard anything back from Barclays.
I am going to now send a SAR letter but unsure of the best address to send it too.
Would it be best to send to Customer Services ? as the letter i sent previous was to the Privacy and Data protection department as i thought that would be where they hold such info.
Thanks

ps who is the cheque made out to , would it be just barclays / barclaycard or leave blank?

di3004

debasur wrote: »

Hi all
I have tracked down my account number now , though have not heard anything back from Barclays.
I am going to now send a SAR letter but unsure of the best address to send it too.
Would it be best to send to Customer Services ? as the letter i sent previous was to the Privacy and Data protection department as i thought that would be where they hold such info.
Thanks

ps who is the cheque made out to , would it be just barclays / barclaycard or leave blank?

Hi there

I would assume you would make the cheque out to Barclays Bank PLC, I would not leave it blank, or they will send it back.

And hopefully someone can confirm, but for the SAR I assumed it was the data dept.

There are so many........

B

BARCLAYCARD CUSTOMER RELATIONS DEPARTMENT,
PO BOX 6476,
NORTHAMPTON,
NN4 1ZN

Barclaycard
Barclaycard House
PO Box 5592
Northampton
NN4 1ZY

Barclays Bank PLC
1 Churchill Place
London
E14 5HP


Barclays Bank PLC
Leicester
LE87 2BB


Keith Jeremiah -- Legal Executive
Tel: 02071162705
Fax: 02071167661
@: keith.jeremiah@barclays.c om

Customer Relations
Consumer Finance
Barclays Bank Plc
Astley Byrom House
Manchester
M3 4AE

0207 116 4561.
Mike Brophy
Head of Customer Relations

Peter Townsend
Manager,
Barclays Data Protection
Radbroke Hall
Knutsford
Cheshire
WA169EU
Tel 01565614000
Fax 01565613583

BARCLAYS BANK PLC NEW ACCOUNTS,
DEPARTMENT 1,
GOLDFISH
GLASGOW,
G68 9ZP

Barclays Bank PLC
Privacy & Data Protection
Radbroke Hall
Knutsford
Cheshire
WA16 9EU

Tel: 01565 614000 or [number removed by MSE Forum Team - no longer correct dept] / Fax : 01565 613583 or 01565
614208 0845 6090806

Barclays Bank PLC
Charges Refund Team
1 CHURCHILL PLACE
LONDON
E14 5HP

Tel: 0800 282390

I would ring the tel numbers above (the free number and they will confirm);)

debasur

thanks again Di

I phoned the 0800 number and was told to send to
Barclays Bank PLC
Leicester
LE87 2BB

with the £10 fee for the SAR addressed to Barclays Bank PLC

if for the future this helps anyone else out!!

thanks so much..

ps who is niddy? lol

debasur

Well i have received a short letter containing t`s and c`s and photocopy of the secured loan and PPP was £6,975.

Although I paid the loan of early i believe the premium for PPP was paid off in full so should i be entitled to a complete refund?

Time now to issue a letter to Barclays asking for a refund as per the steps on this site i think..

thanks...

di3004

Hi there

Sorry I missed your earlier post.


So this is for the SAR on all your data on the account, they have 40 calendar days from when they receive this request, keep an eye on the £10 coming out of your account - if you paid by cheque.

If you have a settled loan, then your entitled to all the ppi you have paid, plus interest.

More on reclaiming here.....
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#reclaim
Complete the questionnaire, send to whoever set up and sold you the loan from the start.
Please note these reclaimining questionnaire replaced the reclaim template letter on this site, and was issued by the financial ombudsman service (FOS) for this purpose.

Remember to keep a copy in case you need to refer to it at some point.

They have 8 weeks but may ask for more time, due to backlogs, but hope you hear sooner with a good result.

Fingers crossed.:)

debasur

Quick update.

Posted my reclaim questionaire and had it recorded by post office.
Found out today my letter has been lost in the system.
I have been waiting over a month for Barclays reply and i know i should have checked the tracking earlier but lost the receipt and found it this morning.

So, another letter/questionaire on its way!
i am sure i`ll get there in the end.

di3004

debasur wrote: »

Quick update.

Posted my reclaim questionaire and had it recorded by post office.
Found out today my letter has been lost in the system.
I have been waiting over a month for Barclays reply and i know i should have checked the tracking earlier but lost the receipt and found it this morning.

So, another letter/questionaire on its way!
i am sure i`ll get there in the end.

Hi there

Who confirmed it was lost in the system?

Good luck with this.;)