Ppi new claim with a bit of background

[suga]

I have a bit of history and need your help to kick off my claim .

 

Loan 1 (1999) = no paper works just statements of April till June 1999

Amount of loan = no info

PPI = no proof

Monthly payment=197.28 till Dec 1999

Term=no info

 

Refinanced Loan 2 (Jan 2000-July2005) = no agreement but has PPI policy certificate and A few B.statements. Policy ended in July 2005.

Amount of loan= no info

Monthly payment =215.66

Terms=84 months

APR=13.9%

 

Refinanced Loan 3(July2005-June2008)= no agreement but have PPI policy certificate

Monthly payment=321.97

Terms=48 months

 

 

Overdraft protection current account = only have PPI certificate and statements

Monthly payment= £5.63

over drawn about by £2000 including charges.

 

Background:

Lost job in August 2008 and went to DCA,

2009 made payment agreement of £10 to loan but I was on job seeker allowances could not afford payment stopped lost contact .

letter in June 2009 from Barclays with changed account no saying remaining balance is £747.92 reduced from £4032.41 and reason total interest charge over loan life.

letter in July2009 loan balance £4017.41 and followed by statement end of balance £4268.58 in the same month .

 

Recently made contact over phone with Barclays PPI dept.

and I was told ,my accounts are closed and loan is expired .

they gave me break down of my PPi payments ,

 

loan no 2 taken in 2000 prem paid £3425.66 ,

loan3 taken 2005 prem paid £1953.43 and

no record of loan 1 .

 

I launched PPI complain and sent SAR.

 

I have received Barclays letter with FOS questionnaire after 6 days.

1) Should I fill in and send the form ?

2) Can I make claim for all loans and account in same form?

Please help me how to proceed .

[dx100uk]

yes claim using the form and spreadsheet

 

see my sig below

 

dx

[frankiepfc]

Is there a template for the initial application for ppi reclaim ? I am just beggining my claim for a refund and I am not sure how to start.

[suga]

Thanks Dx for your quick reply

1. which spread sheet should I use?

2.shall I use the same spready for 2 loans and seperate for OD?

[suga]

yes claim using the form and spreadsheet

 

see my sig below

 

dx

 

Now reading

[dx100uk]

await the sar return first

 

dx

[suga]

Ok I will wait .

Would it make any difference if Bank asked reply within 10 days to return their form

[suga]

I guess time for bed now , will catch up tomorrow and i'll see how many cagers will help me

[dx100uk]

Ok I will wait .

Would it make any difference if Bank asked reply within 10 days to return their form

 

no they'll taken 12 weeks to reply to the form anyway

and they;ll just say no claim as they know you dont know what you want yet

 

dx

[suga]

Okay I won't send their Questionaire back till I recieve SAR, see what happens .

[suga]

My postal order has not been cashed up yet . and nothing heard from Barclays either . waiting

[suga]

SAR has been recieved on 6th March and bank has made any contact so far . I didnt send back Barclays

Q form which they asked me to , and waiting for Sar to be returned to see what I am up for /reclaim.

Any one have suggestion at this stage please do post them .

[dx100uk]

none sit on your hand

 

or you could download and fill in the FOS QC as far as you can?

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

dx

[suga]

Sorry for error , I have not recieved SAR reply yet.should I still fill in and send Questionaire back to B with whatever I have available ?

[dx100uk]

no

but you could fill in what you can though.

 

the three docs go together

 

dx

[suga]

Thank for reply @dx

How will I prepare My schedule of claim since some of the information like amouts of loans and PPI premiums not clear to me or shall I go by what barclays told me over the Phone which is :

loan amount taken in (2000 -2005)= no info

single primium=3425.66

refinance loan taken amount in (2005 - 2008) =£10,000

single premium=£1953.43

OD account (2005-2008) with ppi of £5.63 p/m

I have policy certificate for all above and some bank statements

previuoly loan taken in 1999 monthly payment of £197.28 but no further information available part from monthly payement shown on bank statements x 2

[dx100uk]

just do the cq or knoww hat you are going to put in it.

 

await the sar for the rest

 

preparation and READING is all the key here

 

post nothing yet

 

dx

[suga]

SAR recieved by Barclays on 6th March sent on 5th March and potal order has not been cashed yet.

[suga]

It had been 14 days since Barcaly recieved my SAR and postal .I rang post office and informed postal oerder had not been cashed yet . what should do now any advice:?:

[ims21]

If it were me I'd give it another few days (say to the end of the week) and if still not cashed send them a letter reminding them they they have received your SAR letter but not cashed the PO and that despite them not taking the payment you expect the full SAR response within the 40 days from their receipt

 

ims

[suga]

Thanks for Your advice @ims21. I will write a reminder on week end

[suga]

I recieved another letter today from Barclay with complains references nos. to submmit QUESTIONER

but I am still waiting for SAR.

I spoke to barclays today because this time I recieved 2 questioniares one for old loan taken in 2000 and other for second loan taken in 2005 even though I had one more loan prior to that show in my statements .

Last but not least OD accoutn ppi as well .please I need help:

1- sar recieved by them on 6th march Po not cashed,

2- 1st laon amount borrowed not known but I have ppi and statements

3 -2nd loan statement and ppi proof no barrowed aamount known

4- 3rd loan only bank statements no proof of ppi or amount borrowed

5- I have ppi and amount proof of OD account

what should I do now ignore their questionaire and dont reply till recieved Sar ?

I will send reminder to them on week end as suggested by ims

Is it against the rule not to reply or send questionaire back to bank if they request?

[suga]

Reminder* SAR reminder will be sent I mean

[suga]

Hi ims,

Posted SAR reminder today , still PO has not been cashed

What about the 2 Questionairs and references they sent me .should I wait ?

[dx100uk]

await the sar

 

dx