Barclays Masterloans

Will_Silver

Can I just get somebodies advice on what to do next, I have used the information on the forum to get this far.
I have had a number of loans through Barclays Masterloan over the years starting from 1990.
I requested a SAR on the 1.03.13 for 9 separate accounts, I received back on the 12.04.13 copies of 4 of the accounts, two I had not even asked for, as I had no record of them.

With this information I put together a PPI letter 17.04.13, for a total of 11 separate accounts, mixture of SAR and copies of original accounts.

I received letters all in separate envelopes and separate reference numbers on the 26.04.13 back from Barclays asking for the FOS questionnaire and any other relevant documentation to be returned.
This I did by 3.05.13 and returned by signed for delivery.

Yesterday, 10.06.13 I received two letters, one 7503 10.03.01, states that their records indicate i was part-time employed not full-time employed at the time the policy was sold.

Possible documentary evidence from the DWP.

If you were unable to supply this information, please can you confirm that you were full-time employed at the time the policy was sold to you.

Documentary evidence of savings, could be bank statements.

Employers sick pay scheme at time of sale, employers name level of cover and the length of cover provided.

Documentary evidence to support the fact you have other means of making repayments if you were unable to work through sickness, accident or unemployment.

The other letter refers to 3 separate accounts, 1861 30.06.98, 9978 23.10.98, 2143 11.08.99.

This letter asks for

Documentary evidence of employment status at the time of sale DWP

If you were unable to supply this information, please can you confirm that you were full-time employed at the time the policy was sold to you.

We would therfore be grateul if you could provide further detail regarding the number of hours that you worked within your part-time employment.

Documentary evidence of savings, could be bank statements.

Employers sick pay scheme at time of sale, employers name level of cover and the length of cover provided.

Documentary evidence to support the fact you have other means of making repayments if you were unable to work through sickness, accident or unemployment.

Please provide any additional details, how the policy was sold to you, who you may have spoken to any other information you can recall.

Any additional information that you are able to provide will assist us in fully and fairly assessing your complaint as quickly as possible.

Just to clarify a few points i was in full-time employment from 1993-2009, never had a part-time job.

I have documentary evidence of insurances, which I included first time round, but that can be sent again.

On the FOS questionnaire D6 where it asks for savings or insurance to support repayments, should I have crossed out savings, because I certainly didnt have savings at the time, but definitely insurance.

The company has long since gone into administration, and do not have to hand copy of contract detailing sick pay scheme, so will have to exclude this if I send anothe FOS questionnaire, even though that was the agreement, but if I havent got the paperwork well thats that.

The other information is contained within the FOS questionnaire I originally sent 03.05.13. They have sent another blank FOS questionnaire with the letters, I can print off the copies again for the FOS questionnaires with the original dates on, along with the insurance paperwork, as well as a statement of my employment status or do I need to get a letter from the DWP to support this part of it.

In summary I was in full-time employment, the policies were all front loaded, and there was documented insurance cover in place.

Thank you for taking the time to read this post, if there is anything I have missed or requires clarifying then please ask.

-taff

not got your p60s or tax docs?
If you had insurance in place, you need to show what it was. Mortgage insurance wouldn't cover you for loans, it needed to be a life insurance policy unconnected to your mortgage or similar.
If they were consolidated loans, one form would have sufficed, with all the loan numbers on there.

Will_Silver

Thanks Taff, missing the obvious, will dig out P60`s, insurance totally separate from mortgage protection, did not realise i actually had it, but that is another story.

I am not sure whether they were consolidated loans or not, i really didnt manage my finances very well.
At the time it was so easy just to ring up for a loan, so not sure when one ended and the other began.

Barclays treated each one separately, letter with FOS questionnaire, dont think the postman was best pleased.