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Barclays - I'm getting suspicious
Marky31
Posts: 1 Newbie
Our PPI claim with Barclays (which took over Woolwich Open Plan) has been rejected as it can't find any evidence that we had a policy with them.
Their rejection letter states they don't keep records for longer than six years but the statements they have sent us go back less than five.
Each time I ring their office they say yes, of course, they will send the info, but each time the same bits of paper turn up.
I've read on here that the bank should retain records for six years - does anyone know if Barclays is breaking the law if it can't provide the statements as requested (we have paid £5 to receive them)?
There is a lesson here for us of never throw any thing away as we were forced to take PPI as part of our mortgage and when we stopped paying it about six years ago we threw the paperwork away.
But I'm suspicious about the 'missing' 15 months of statements as I'm sure we had the policy running then.
Advice very welcome.
Their rejection letter states they don't keep records for longer than six years but the statements they have sent us go back less than five.
Each time I ring their office they say yes, of course, they will send the info, but each time the same bits of paper turn up.
I've read on here that the bank should retain records for six years - does anyone know if Barclays is breaking the law if it can't provide the statements as requested (we have paid £5 to receive them)?
There is a lesson here for us of never throw any thing away as we were forced to take PPI as part of our mortgage and when we stopped paying it about six years ago we threw the paperwork away.
But I'm suspicious about the 'missing' 15 months of statements as I'm sure we had the policy running then.
Advice very welcome.
0
Comments
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Did you send them an SAR with £10 to obtain all of the records they hold for you? I'm confused by the £5 you've sent them. If you did send an SAR with £10 and believe they still haven't sent you everything then contact them again and threaten them with the ICO.0
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Barclays keep records for longer than 6 years. I recently had statement information from 2004 off them.No Longer works for MBNA as of August 2010 - redundancy money will be nice though.
Proud to be a Friend of Niddy.
no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date0 -
The problem is that Banks haven't always archived in a methodical manner. Sometimes records have been filed away when they should have been destroyed and (much more rarely) vice versa. The Banks aren't legally required to keep records for six years, what they have a legal obligation for is to disclose any information they do keep. If a carefully worded Subject Access Request (SAR) letter has been sent and a fee paid, then the Bank should provide all the information it can readily find from as far back as possible. Unfortunately, this can mean twenty years for some, but only five or six for others.Barclays keep records for longer than 6 years. I recently had statement information from 2004 off them.0
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