Barclays, PPI and Old Loan

Willow_K

Hi

Has anyone had any success in obtaining information via a SAR that is more than six years old from Barclays with a view to claiming PPI?

I took a £5000 loan out in 1998 which had PPI on. It was not explained properly at the time and I was also a civil servant.

The loan had a five year term and ended in 2003.

I no longer have the paperwork for it, only having recently become aware that I could reclaim the PPI but intend to give a SAR request to Barclays a go, on the off chance.

I was just wondering if anyone had any success in getting information older than six years out of Barclays via a SAR.

Thanks

amersall

Some have had luck with older loans.
Do a sar and see what they come up with.
Good luck.

cpol

we rang them last week about a loan we had in 2002 and they have provided a copy of the loan agreement. Sorry dont know what a sar is lol

marshallka

Willow_K wrote: »

Hi

Has anyone had any success in obtaining information via a SAR that is more than six years old from Barclays with a view to claiming PPI?

I took a £5000 loan out in 1998 which had PPI on. It was not explained properly at the time and I was also a civil servant.

The loan had a five year term and ended in 2003.

I no longer have the paperwork for it, only having recently become aware that I could reclaim the PPI but intend to give a SAR request to Barclays a go, on the off chance.

I was just wondering if anyone had any success in getting information older than six years out of Barclays via a SAR.

Thanks

Just give it a go. I had documents from my bank going back further than 6 years.

marshallka

cpol wrote: »

we rang them last week about a loan we had in 2002 and they have provided a copy of the loan agreement. Sorry dont know what a sar is lol

Subject Access Request - which is ALL the information they hold on you.

Willow_K

Thanks guys, I'll give it a go.

We essentially ended up paying double what we borrowed. I think the interest rate was around 8 - 10% so I think there could be around £2.5k in PPI plus interest, so fingers crossed they come up with th goods.

Seems worth the effort of a letter and £10!

di3004

SAR template letter on the thread below, you can tweak to your requirements if you want to.
https://forums.moneysavingexpert.com/discussion/1475553

rfryer0791

I sent asking for an SAR from Barclaycard and they just sent me statements for 6 years. I had PPI on there from the first of those statements, totalling some £35 per month, but I know I was paying it long before that too. Is there a way I can claim for it going back further than the 6 years as well? I have totted up what they took from me after that and it comes to £562. I haven't a copy of the agreement and they haven't sent it me when I asked for the SAR. Any ideas how to proceed???

Thanks, Russell

marshallka

rfryer0791 wrote: »

I sent asking for an SAR from Barclaycard and they just sent me statements for 6 years. I had PPI on there from the first of those statements, totalling some £35 per month, but I know I was paying it long before that too. Is there a way I can claim for it going back further than the 6 years as well? I have totted up what they took from me after that and it comes to £562. I haven't a copy of the agreement and they haven't sent it me when I asked for the SAR. Any ideas how to proceed???

Thanks, Russell

Only if you have copies of statement it would seem if Barclays are saying they do not. Its another way of only paying you "some" of what you are owed, if you have been missold that is, by using the data protection act (only keeping records for 6 years).

rfryer0791

So I am guessing I won't get the agreement and consequently no proof of mis-selling?

di3004

Hi there

With 2 of mine, I know I was sold PPI as they always added it anyway, but I could not get hold of the agreements, but was still successful of reclaiming the ppi.
I did have the statements though.