How reliable & trustworthy is Barclays PPI Prequal (SAR)

Swiftkidd

Hi,

I recently requested a subject access request from my bank Barclays on behalf of my mum as she recalls ppi was mis-sold to her in the past and wishes to make a complaint as she claims she was told without taking out ppi she would not be accepted for a loan and that being declined would incur a time bar on reapplying so she accepted.

I sent out a SAR using the forums template letter and have received:

.Data protection cover letter

.Prequel print/PPI prequal - A table of columns detailing current and previous products taken out such as current accounts, loans and credit cards which includes columns 'Account PPI Flag', 'Arrears Flag' and 'BRU Flag' showing a simple Y, U or N to indicate if PPI was/is present.

.multiple loan agreements (5)

Book of bank statements dating back to 1998

.A 40 page booklet with a cover page titled 'Data Subject Access Return Service Point ODP' contains a glossary of acronyms & abbreviations most of the pages are structured the same with personal details a lot of which shows 'no data held'.

on the PPI Prequal it shows a 'U' for unconfirmed on "Barclayloan protected" account opened on <removed by me> & closed paid in full on <removed by me> which I have the statement of payments and a Y with premium present under one for a "Barclaycard Visa" with PPI present start date <removed by me>.

My main question is, is this ppi prequal sheet reliable and/or trustworthy as I didn't ask or mention anything about ppi in my subject access request and it appears not everything has been provided but I can't thing what.

BC_KT

It's roughly the same thing their case handlers would use to determine if there's PPI or not, they have no reason not to provide as accurate info as they can.

amersall

There may be more to follow, "prequel" would suggest there is.

Pleaseadvise

This sounds like what they sent me. Their letter called it 'a complete summary of current and historic products relating to your record'. It's titled 'Pre-Qual - PPI' and ends with a list of 'Suggested BID Policies'. They didn't explain what BID stood for, but I did claim for the Barclayloans and the Mortgagecare that were listed there and they have, finally, paid out (as seen in my signature.)

That was the only thing they sent, and they returned my £10 cheque.

Forgot to say - the loans, like yours, showed up as 'U' in the PPI column and the Barclaycard as 'Y, premium present' but the loan complaint was upheld and the Barclaycard denied (may send it to Ombudsman).

BC_KT

BID is Barclay's Insurance in Dublin, the underwriter for most of Barclay's in-house insurances.

Swiftkidd

Pleaseadvise wrote: »

This sounds like what they sent me. Their letter called it 'a complete summary of current and historic products relating to your record'. It's titled 'Pre-Qual - PPI' and ends with a list of 'Suggested BID Policies'. They didn't explain what BID stood for, but I did claim for the Barclayloans and the Mortgagecare that were listed there and they have, finally, paid out (as seen in my signature.)

That was the only thing they sent, and they returned my £10 cheque.

Forgot to say - the loans, like yours, showed up as 'U' in the PPI column and the Barclaycard as 'Y, premium present' but the loan complaint was upheld and the Barclaycard denied (may send it to Ombudsman).

Yeah that sounds very similar to what they've sent me. So did they not send you any of your loan agreements or a book of historic bank statements ?

I'm trying to check if PPI was present on a Barclayloan that shows as 'U' (unconfirmed) but doesn't appear to indicate or show when looking through historic bank statements plus no loan agreement accompanied it just a "loan settlement statement" with no information about the loan it self which is weird as with my other Barclayloan agreement it has the loan settlement statements attached to it.

It states on the Prequel Print

"Please note in some cases, such as Mortgages the report will detail the account numbers, but may show with a 'U' against the product. This 'U' stands for uncomfirmed as out system search as yet cannot identify whether there was a PPI sale for a small number of products such as Mortgages.
In these instances, if you believe there was PPI on the product or you believe there may have been, then please proceed with a claim. Upon receipt of your claim the PPI team will undertake a manual search of our systems to identify if any premiums under PPI have been paid on that product. All premiums paid will be taken into account dealing with your claim.

It's not a Mortgage loan as my mum has never taken out a Mortgage with Barclay's. According to above I have to proceed with a claim or can I contact them to find out first or is there other possible ways to tell

p.s they cashed the £10 cheque and I don't see why they couldn't have manually checked assuming they wish to stay one step ahead by providing ppi paperwork with-in my SAR and not all the necessary relevant documents to assist in making a claim.

[Deleted User]

Swiftkidd wrote: »

Yeah that sounds very similar to what they've sent me. So did they not send you any of your loan agreements or a book of historic bank statements ?

You won't get loan or credit agreements unless the finance is still current or (usually) if it was settled less than six years ago. The older the finance, the less chance of the bank still holding information.

Swiftkidd wrote: »

they cashed the £10 cheque and I don't see why they couldn't have manually checked assuming they wish to stay one step ahead by providing ppi paperwork with-in my SAR and not all the necessary relevant documents to assist in making a claim.

You requested and paid for a Subject Access Request (SAR) which costs £10. Are you really questioning them charging for this?

BC_KT

You got a full SAR off them, seeing as your loan dates back to the 90s it's unlikely they hold too much anymore anyway. If all you wanted to know was whether or not there was PPI they would've just sent you the Prequal page without cashing your cheque.

Swiftkidd

Moneyineptitude wrote: »

You won't get loan or credit agreements unless the finance is still current or (usually) if it was settled less than six years ago. The older the finance, the less chance of the bank still holding information.


You requested and paid for a Subject Access Request (SAR) which costs £10. Are you really questioning them charging for this?

No I'm questioning why they couldn't do a manual check against the unconfirmed PPI on my Barclayloan since they've cashed my cheque and sent PPI paperwork when I simply requested a subject access request. Appearing to come across as assistful but really no help at all.

It says their system search as yet cannot identify whether there was a PPI sale for a small number of products but they're able to perform a manual search of their systems to identify if any premiums under PPI have been paid on that product.

It says if you believe there was PPI on the product or you believe there may have been, then please proceed with a claim.

I will use the Barclays PPI number under the PPI reclaiming getting easier article.


They've sent me loan agreements dating back 11 years ago which also includes a loan settlement statement attached to it which is why I questioned why they sent me a loan settlement statement for my unconfirmed ppi on Barclayloan but did not include a loan agreement.

If they no longer held the loan agreement then they should have followed the instructions on the template SAR form which states

'Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

So effectively they've been paid and not carried out the full job. From reading my other loan agreements there is no reference to any type of insurance so will requesting a copy be of any use ? Would it show in a loanagreement if ppi was taken out ?

-taff

Swiftkidd wrote: »

I questioned why they sent me a loan settlement statement for my unconfirmed ppi on Barclayloan but did not include a loan agreement.

If they no longer held the loan agreement then they should have followed the instructions on the template SAR form which states

'Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

So effectively they've been paid and not carried out the full job. From reading my other loan agreements there is no reference to any type of insurance so will requesting a copy be of any use ? Would it show in a loanagreement if ppi was taken out ?

A SAR will only show what paperwork is left, not what ever existed.

A SAR is also only to ask for information held, the company does not have to comply with showing you evidence that there is a record of documents destroyed.

Swiftkidd

-taff wrote: »

A SAR will only show what paperwork is left, not what ever existed.

A SAR is also only to ask for information held, the company does not have to comply with showing you evidence that there is a record of documents destroyed.

Ok, well that is the forum's template letter that I used and was included

https://forums.moneysavingexpert.com/discussion/1475553