Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • MagWag
    • By MagWag 10th Sep 18, 2:36 PM
    • 34Posts
    • 5Thanks
    MagWag
    PPI enquiry confusion - Woolwich/Barclays
    • #1
    • 10th Sep 18, 2:36 PM
    PPI enquiry confusion - Woolwich/Barclays 10th Sep 18 at 2:36 PM
    Hello,

    Earlier in the year I was contacted by a PPI claims company (through Unite) to find out if I would like a free PPI check?

    I told them I thought it was very unlikely that I had been mis sold PPI as I had been self employed for many years and was aware that PPI was not applicable to the self employed.

    However they convinced me that it was worth enquiring, so I gave them all my details, and after a week or two they came back to me to say that we (my ex husband & I ) had paid ppi I on a Woolwich/Barclays (tracker with loan pot) mortgage taken out in 2002 and still running.

    I was very surprised about this, as the mortgage was on a shop...the shop from which we traded and derived our income as self employed people. It was our Barclays business banker who suggested the mortgage to us.

    At this point I decided that if I had a valid reason to complain about mis sold PPI I could do it myself. I filled in Barclays online enquiry form - they have two. I used the first general one. because the second one, although it mentions Woolwich loans, says the first one should be used for Woolwich mortgages.

    I got a reply from Barclays today but there is no mention of the mortgage, just an old Egg card, and if I remember correctly I cancelled the PPI on that one month after I took it out, when I saw it on my first statement.

    I phoned up the contact number on the Barclays letter to ask why there was no mention of the Woolwich/Barclays mortgage, but all the guy could say was that the claims company must have made a mistake! This is unlikely as the claims company came back to me with account info that they had not got directly from me.

    So I'm wondering what to do next? Fill in the second enquiry form on the Barclays site or go straight into making a claim using the info from the claims company? Is it better to use Barclays online claim form or the Resolver one?

    Any advise from those who have done this would be much appreciated, thank you.
Page 1
    • _shel
    • By _shel 10th Sep 18, 2:39 PM
    • 1,421 Posts
    • 2,492 Thanks
    _shel
    • #2
    • 10th Sep 18, 2:39 PM
    • #2
    • 10th Sep 18, 2:39 PM
    Don't use a claims company, they'll take half your money if any is due.

    I've been using resolver. It sends the complaint to the right address so no getting it wrong.
    • Moneyineptitude
    • By Moneyineptitude 10th Sep 18, 2:48 PM
    • 20,998 Posts
    • 11,772 Thanks
    Moneyineptitude
    • #3
    • 10th Sep 18, 2:48 PM
    • #3
    • 10th Sep 18, 2:48 PM
    Some points to note;
    There was never any need to use a company to check if you had PPI, they do nothing you cannot do yourself and for free.

    Mortgage PPI usually does cover the self employed, so do check that you definitely were not covered before making any complaint of that nature.

    So I'm wondering what to do next? Fill in the second enquiry form on the Barclays site or go straight into making a claim using the info from the claims company?
    Originally posted by MagWag
    You need to do some proper research on this yourself.

    Do you really think a PPI claim company would provide all detail of a "potential" complaint? They just want you to sign up with them.

    You could and should have simply filled in the enquiry form on Barclays site in the first place.

    Is it better to use Barclays online claim form or the Resolver one?
    Originally posted by MagWag
    Why are you insistent on using third parties rather than going directly? Resolver is just a E-Mail template and (though free) doesn't enhance a complaint in any way.
    • dunstonh
    • By dunstonh 10th Sep 18, 3:01 PM
    • 94,575 Posts
    • 62,560 Thanks
    dunstonh
    • #4
    • 10th Sep 18, 3:01 PM
    • #4
    • 10th Sep 18, 3:01 PM
    Earlier in the year I was contacted by a PPI claims company (through Unite) to find out if I would like a free PPI check?
    Not surprised to see Unite involved. They get a cut of the CMC bill. Nice little earner for them.

    I told them I thought it was very unlikely that I had been mis sold PPI as I had been self employed for many years and was aware that PPI was not applicable to the self employed.
    That is actually not correct. Most PPI does cover the self employed fine. However, it is a significant minority that does not. You tend to find credit card or loan PPI is weak with self employed but Mortgage PPI is usually better quality and covers it.

    This is unlikely as the claims company came back to me with account info that they had not got directly from me.
    Barclays never bundled MPPI in with the mortgage. It was a separate direct debit. So, it should be easy for you to see if you had it or not.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • MagWag
    • By MagWag 10th Sep 18, 3:41 PM
    • 34 Posts
    • 5 Thanks
    MagWag
    • #5
    • 10th Sep 18, 3:41 PM
    • #5
    • 10th Sep 18, 3:41 PM
    OK, thank you to everyone who has replied.

    Please Moneyineptitude, be more gentle with your language...I wasn't insistenton anything...just filling in the information on what had gone before:

    1) I didn't think I had ever had PPI
    2) A claims company said they could find out for me for free (so what's to lose)
    3) Claims company say that I did pay PPI on the mortgage (I didn't think I had, so it probably would have been miss sold)
    4) I fill in enquiry form on Barclays web site to check.
    5) Barclays say no record of PPI on mortgage.

    So I come to MSE to ask for advise on what to do next? What I did do next was to get down a BIG box of old paperwork and found the mortgage documents, and I can see no evidence of ever paying PPI. 'MortgageCare' was offered at an extra 60 a month, but we didn't take it.

    So the claims company 'found' a non existant PPI policy, and didn't find the EGG one...though as it's only 2 payments at most on that, say a tenner, I think it would not be worth the time to chase it up.

    Case closed...I can now forget about PPI and get on with my day. :-)
    • Moneyineptitude
    • By Moneyineptitude 10th Sep 18, 4:17 PM
    • 20,998 Posts
    • 11,772 Thanks
    Moneyineptitude
    • #6
    • 10th Sep 18, 4:17 PM
    • #6
    • 10th Sep 18, 4:17 PM
    Please Moneyineptitude, be more gentle with your language...I wasn't insistent on anything...just filling in the information on what had gone before:
    Originally posted by MagWag
    You documented using a claims company and then asked if it was better to use Resolver than go direct to Barclays. Since these are both unnecessary third parties, I was simply enquiring why you thought either of these was a somehow better option? In my opinion you seemed to be insisting on third parties rather than researching for yourself both accurately and for free.

    In the end, you didn't even have the phantom PPI which the company claimed you did. Doesn't this indicate to you that Claim Companies offering "free" PPI checks are a waste of time? The PPI they "find" is just bait to lure you into signing a very expensive contract with them.

    I see no "language" in my earlier post which was rude or disrespectful to you in any way?

    Good luck with your Egg complaint, by the way, but don't assume that it will be "only a tenner", as the 8% interest on that can mount up over the years.
    • MagWag
    • By MagWag 10th Sep 18, 4:58 PM
    • 34 Posts
    • 5 Thanks
    MagWag
    • #7
    • 10th Sep 18, 4:58 PM
    • #7
    • 10th Sep 18, 4:58 PM
    Moneyineptitude, it is your tone which is unnecessarily combative, which makes me, the enquirer seem foolish - intentional or not.

    I never considered using a claims company for anything other than research, but even if I did, that would be my own business and my own loss. I was not sure which form of enquiry was best, so am using MSE for research, by asking other people - please don't tell me off for doing this! I am not insistent on any thing other than that I am not insistent!

    I have had some informative replies from the forum for which I am most grateful :-)
    • Moneyineptitude
    • By Moneyineptitude 10th Sep 18, 5:29 PM
    • 20,998 Posts
    • 11,772 Thanks
    Moneyineptitude
    • #8
    • 10th Sep 18, 5:29 PM
    • #8
    • 10th Sep 18, 5:29 PM
    I never considered using a claims company for anything other than research
    Originally posted by MagWag
    I just want to emphasise PPI Claim companies do no "research" that cannot be done alone, for free and far more accurately.

    I am not criticising you for using a Claim Company merely aghast at your naivety in believing they would do anything that did not bring them easy (and massive) profit.

    CMCs have no specialist knowledge nor any exclusive investigative powers. The so-called free PPI "checks" are actually far less than you could have done yourself.

    These Companies just send the same kind of speculative letters of enquiry to financial institutions that anyone could send themselves.

    In your case, it's very suspicious that they "found" PPI that didn't exist. I don't think it's beyond the realms of possibility, therefore, that they did no actual research for you at all.

    Your thread stands (with many many others) as a warning not to use a CMC for anything
    • takman
    • By takman 10th Sep 18, 6:05 PM
    • 3,664 Posts
    • 3,292 Thanks
    takman
    • #9
    • 10th Sep 18, 6:05 PM
    • #9
    • 10th Sep 18, 6:05 PM
    2) A claims company said they could find out for me for free (so what's to lose)
    Originally posted by MagWag
    Well the first thing that comes to mind is giving out your personal information over the phone to an unsolicited caller and giving them permission to contact financial institutions on your behalf leaves you wide open to potential fraud if this information is misused.

    You then also have to deal with them calling you and sending you letters wanting you to continue with a claim, plus contact from any other third party they pass your information too.

    When you could have checked yourself just as easily.
    • Moneyineptitude
    • By Moneyineptitude 11th Sep 18, 11:39 AM
    • 20,998 Posts
    • 11,772 Thanks
    Moneyineptitude
    You then also have to deal with them calling you and sending you letters wanting you to continue with a claim, plus contact from any other third party they pass your information too.
    Originally posted by takman
    The OP still has this to come of course. I wonder how they'll respond to being informed that the PPI policy they "found" doesn't exist? I doubt it will stop them from spamming the OP with calls and letters.
    • Brie
    • By Brie 12th Sep 18, 5:55 PM
    • 12 Posts
    • 5 Thanks
    Brie
    though as it's only 2 payments at most on that, say a tenner, I think it would not be worth the time to chase it up.
    Originally posted by MagWag

    Ok it's only a tenner. But how many years ago? And at 8% interest compounding? How much is your time worth?? Maybe you'll get twenty back - not a bad rate for an hour of your time.
    • Nearlyold
    • By Nearlyold 12th Sep 18, 7:12 PM
    • 1,135 Posts
    • 961 Thanks
    Nearlyold
    Ok it's only a tenner. But how many years ago? And at 8% interest compounding? How much is your time worth?? Maybe you'll get twenty back - not a bad rate for an hour of your time.
    Originally posted by Brie
    It's 8% simple not compound
    • Shrilly73
    • By Shrilly73 14th Sep 18, 1:11 PM
    • 3 Posts
    • 0 Thanks
    Shrilly73
    I've been waiting for a year for my Woolwich data
    I wrote to Barclays in September 2017 asking for SAR (now GDPR) information for my legacy Woolwich accounts, they sent me a pack to my local branch and it only contained my Barclays data. It's almost as if the Woolwich never existed and I cannot be the only customer who wants this data. I have sent in excess of 6 letters (recorded as you don't get a response otherwise), I have an open complaint, I have been reimbursed 50 by Barclays as compensation for my time and by way of an apology and was told 3 weeks ago that I had to request the data again. So I requested it online and followed up with a recorded delivery letter. I have chased the complaints team today to be told this could take up to 6 weeks. I should be prioritised as I originally asked for this information 51 weeks ago on the 21st September 2017. Other companies have sent me data going back to 1993, I don't understand how such a simple request has taken so long. I'm sorry this has not helped your question and I have piggy backed onto your thread (I joined MSE today so fairly new to all of this) but surely someone knows how and where to obtain legacy Woolwich information?
    • zx81
    • By zx81 14th Sep 18, 1:17 PM
    • 18,655 Posts
    • 19,920 Thanks
    zx81
    I wrote to Barclays in September 2017 asking for SAR (now GDPR)
    Originally posted by Shrilly73
    A SAR is still a SAR.

    It sounds as if they haven't automated the process. It's clearly more complicated given the age of the data.

    You could complain to the ICO, but I would just keep chasing it.
    • -taff
    • By -taff 14th Sep 18, 1:18 PM
    • 7,816 Posts
    • 6,320 Thanks
    -taff
    Companies are obliged to delete your data when no longer applicable.
    The Woolwich was taken over by Barclays in 2000. There probably isn't anything left after 18 years.
    And if went completely in 2007, that's still 11 years ago. The FCA recommend getting rid of data after 6.
    • dunstonh
    • By dunstonh 14th Sep 18, 1:47 PM
    • 94,575 Posts
    • 62,560 Thanks
    dunstonh
    they sent me a pack to my local branch and it only contained my Barclays data. It's almost as if the Woolwich never existed and I cannot be the only customer who wants this data.
    If you ceased to be a Woolwich customer before Barclays bought them then the information would be more limited. When one firm buys another, the consolidation onto the buyers systems tends to be focused on existing customers. Not historic stuff.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Shrilly73
    • By Shrilly73 14th Sep 18, 4:28 PM
    • 3 Posts
    • 0 Thanks
    Shrilly73
    It did cross my mind that they'd use that as a caveat but I would hope they would've told me that at the beginning and save me a year of angst. Black Horse, Abbey and GE Money have sent me data going back to 1991 so I would hope a prominent organisation such as Barclays can deliver the goods. I will soldier on and also try the ICO on 4th October which is the latest deadline they've given me if no joy. Thanks for the advice, it's nice to receive help from people who don't even know me 🤗
    • Nasqueron
    • By Nasqueron 14th Sep 18, 4:51 PM
    • 5,501 Posts
    • 3,392 Thanks
    Nasqueron
    It did cross my mind that they'd use that as a caveat but I would hope they would've told me that at the beginning and save me a year of angst. Black Horse, Abbey and GE Money have sent me data going back to 1991 so I would hope a prominent organisation such as Barclays can deliver the goods. I will soldier on and also try the ICO on 4th October which is the latest deadline they've given me if no joy. Thanks for the advice, it's nice to receive help from people who don't even know me 🤗
    Originally posted by Shrilly73
    Barclays bought Woolwich but if the account was closed before they acquired it, there would be little point in retaining the data of closed accounts particularly after this long. 6 years is only a guideline, some firms will keep data longer but do remember if a firm has an active account with you or closed it more recently they are more likely to still store your data. I work for a firm where we dealt with GDPR requests for client medical records, we only keep them for 8 years after last treatment so when a client recently asked us for a copy of their records from 2009 we could bounce it as we had shredded them at the start of the year. Once data is gone (where it's not computerised especially), you cannot then give it to people if they ask for it.
    • Moneyineptitude
    • By Moneyineptitude 14th Sep 18, 11:11 PM
    • 20,998 Posts
    • 11,772 Thanks
    Moneyineptitude
    I will soldier on and also try the ICO on 4th October which is the latest deadline they've given me if no joy.
    Originally posted by Shrilly73
    Do realise that there is absolutely no point in complaining to the ICO if Barclays tell you that the information you require has long been destroyed in line with previous data protection legislation. The ICO can only help if the Bank remain tardy in sending you any information at all.

    As others have said, if you closed your Woolwich account prior to Barclays acquiring it the chances of you getting the information you have requested are next to nil. The fact that other lenders have provided historical information from far longer ago is almost completely irrelevant.
    • Shrilly73
    • By Shrilly73 15th Sep 18, 6:47 AM
    • 3 Posts
    • 0 Thanks
    Shrilly73
    The account wasn't closed, it was simply migrated over to Barclays in 2007 and I kept the account open until 2014. I still feel that if they have destroyed the data, the right thing to do would be to just tell me rather than stringing me along with false promises of 'it's on its way'.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,630Posts Today

4,472Users online

Martin's Twitter