PPI Reclaiming discussion Part II

beverley1961

thankyou very much

di3004

beverley1961 wrote: »

please advise.. took loan out 2006 with barclays over 60 months. last year i asked to cancel ppi was told i had to apply for another loan to get any refund, i didnot bother. then i read article on website, i rang barclays they told me to go into local branch and they would help!! no they didnot, they told me the same thing.
loans today are hard to get and more expensive no doubt.. besides experian changed their scoring to suit credit climate that helps lenders to not lend good on you experian no wonder people are in trouble. please can anyone advise i cant take out any more loans, all i want is a refund for mis-selling it to me in the 1st place or reduce my payments so i can pay my debt abit easier.barclays have lodged a complaint whether that will help me i just dont know that answer.

Hi there Beverley
Apologies for the delay.

I have read your post very quickly.

How far have you got with Barclays ?
Have you actually sent in a reclaim complaint letter to them ?

We will take it from there, if you could let me know the above, that will be very helpful, I can then add some info for you to guide you through this.;)

dreamer33

beverley1961 wrote: »

thankyou very much

I was going to say I'm no expert but once to get onto this site you will become one lol believe me its addictive as the others will tell you.

di3004

Beverly

If you have not done so already, here is the link below to check out the mis selling reasons, and on that link you will come across a reclaim template letter.

If you have not sent in a reclaim letter to Barclays yet, use the template letter to help you, delete what does not occur to you and add as many reasons you have of your own of why you feel you were mis sold.

Personally I would make that reclaim letter your own, not for it to look like a template that everyone uses, if you know what I mean, and of course they have 8 weeks from the letter to get back to you with a response.

If unsuccessful write back for them to reconsider, if still unsuccessful then, it can then go to the financial ombudsman service, but we will work through this one step at a time, so it does not get confusing.;)

Always post by recorded post.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Good luck hun and my next post I will add a SAR template for you.;)

Di.

maxdp

di3004 wrote: »

Beverly

If you have not done so already, here is the link below to check out the mis selling reasons, and on that link you will come across a reclaim template letter.

If you have not sent in a reclaim letter to Barclays yet, use the template letter to help you, delete what does not occur to you and add as many reasons you have of your own of why you feel you were mis sold.

Personally I would make that reclaim letter your own, not for it to look like a template that everyone uses, if you know what I mean, and of course they have 8 weeks from the letter to get back to you with a response.

If unsuccessful write back for them to reconsider, if still unsuccessful then, it can then go to the financial ombudsman service, but we will work through this one step at a time, so it does not get confusing.;)

Always post by recorded post.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Good luck hun and my next post I will add a SAR template for you.;)

Di.

Well done Di knew you would have all the links etc:T:T:T:T

di3004

Bev

Here below is the template for the Subject access request (SAR), they have 40 days to supply ALL the information they have on you, if you feek they have not supplied everything, then you could always contact the ICO who are the information commissioners office who will look into this for you.

This cost £10 cheque or postal order payment, and whatever you do, yes print your name but just leave a cross for a signature. You may note that I have left a post here earlier to say that these finance firms have this modern scanner and I had read a post left by another long term member that you never know they may take copies of the scans and add them to your agreements, I think you got the drift here.;)

Anyway, post again by recorded post in order to keep an eye on the timescales/date of up to 40 days.
.................................................................................................


Your address

Their Address

Date

DATA PROTECTION ACT 1998
SUBJECT ACCESS REQUEST


Dear Sir/Madam
Your name: xxxxxx
Account No/ No’s



I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts And or credit cards

Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and or credit cards, payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.

- A complete list of all transactions or statements relating to ALL of my Loan Accounts and or credit card with your organization.

-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.

- 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.

-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

I enclose a cheque in the sum of £10 to cover your fee.

IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.

I look forward to hearing from you in the first instance of receipt.

Yours faithfully


Your name

di3004

maxdp wrote: »

Well done Di knew you would have all the links etc:T:T:T:T

Aww thank you hun ......:D :A , hope your okay Maxdp........:beer: xx

marshallka

di3004 wrote: »

Hi there Beverley
Apologies for the delay.

I have read your post very quickly.

How far have you got with Barclays ?
Have you actually sent in a reclaim complaint letter to them ?

We will take it from there, if you could let me know the above, that will be very helpful, I can then add some info for you to guide you through this.;)

Apologies for the delay

Beverly posted and 6.02 and maxdp replied at 6.10...:eek:

LOL

di3004

marshallka wrote: »

Apologies for the delay

Beverly posted and 6.02 and maxdp replied at 6.10...:eek:

LOL

:rotfl: :rotfl: :rotfl: , oh dear was it only that of 8 mins.....:o :rotfl: , when I came on here and thought it was a post posted earlier without checking the time.........pmsl........:rotfl: :rotfl:

Arh just taken a look now, it was 6:21pm when I first posted in lol......

maxdp

marshallka wrote: »

Apologies for the delay

Beverly posted and 6.02 and maxdp replied at 6.10...:eek:

LOL

Not bad was it for an old timer:rotfl: just been catching up. Have you got my e mail hope it may help in some way with things though I doubt it.