I first created this thread on MSE a week ago but received very few replies and attracted ppi forum trolls who defend the bank claiming what possible motive could their PPI team have for being deceitful. This is a complaint I've been handling on behalf of my mum against Barclay's and requested a subject access request using a template letter. I'm yet to start the official complaint process The contents of the SAR included (4) unsigned loan agreements with some including a loan settlement statement attached and (1) loan settlement statement on it's own for the 2nd Barclayloan but was unaccompanied by a loan agreement. A book of historic bank statements dating back to 1998 .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. .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 & closed paid in full on which I have the statement of payments (loan settlement statement) and a Y with premium present under one for a "Barclaycard Visa" with PPI present start date . All other loans had 'N' to indicate no ppi was sold (5 loans disclosed in total, with 3 being started in 2011/2012 so satisfied PPI was unlikely pushed/sold) other 2 date back 10 to 15 years yet when visiting our local branch we enquired if PPI had ever been sold and the system immediately flagged a Barclayloan that had PPI sold despite the PPI Prequel stating otherwise. She even printed out a copy of the loan agreement which looks identical to the one received in the SAR except this version has an additional column showing 'Premium Loan next to the 'Cash Loan' plus included addtional columns under the T&C's about payment protection insurance. Neither loan agreement is signed for so is not a copy of the original loan agreements plus the in branch copy did not included a loan settlement statement but the SAR has it enclosed in the loan agreement. In branch loan agreements with the additional column displaying ppi: Amount of Loan ................ .......... Cash Loan ............. Premium Loan Total Charge For Credit................. £########............. £###### Total amount payable .....................£####### ...............£####### Monthly repayment ........................£####..................... £#### Number of Repayments .................£### .......................£### Your monthly repayments will start one month after your loan is drawn. Cash Loan PPI Preqel: Product Class ...................... Product Code ............Account PPI Flag LOANS .................................BARCLAYLOAN .................. 'U' .................... .......................PROTECTED LOANS ................................BARCLAYLOAN ........... ........ 'N' ..........................................UNPROTEC TED 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. Never had a mortgage with Barclays so is not a mortgage, and did not flag up in local branch which I suspect their systems are unable to detect also.. but this unconfirmed Barclayloan is the one that came without the loan agreement and only have the loan settlement statement so seems if they're being obstructive and deceitful concealing a loan agreement (no deletion certifcate or reason given why it's not supplied) and told all other Barclay loans did not flag up yet our local branch system had managed to flag a Barclayloan (unprotected) immediately. She did not disclose or mention about Barclay's systems not being able to detect a small number of products ie unconfirmed Barclayloan but did give the number for Barclays in dublin to find out more about Barclaycard's ppi