Barclays SAR received

[jummibear]

Received hubby's SAR from Barclays today, giving exactly the 6 years of info. Do you think it's worth writing to ask for older stuff or do you think that's it? Not quite far enough back to get old loan details

[ims21]

Is this loan paid off?

[jummibear]

yes it is; paid off just over 6 years ago.

 

They have only sent current loan details which was not refinanced & no ppi, even tho they pushed hard for it, lol.

 

Something I have just noticed is an overdraft protection fee suddenly starting in July 2006 for 40p a month.

 

What is this please, my hubby has never used his overdraft?

 

Thank you

[ims21]

Hi

 

You could press them for older data by using the "Failed SAR" letter from the library. Barclays can be a toughie to crack but keep at them and see what you can get.

 

If the loan was paid off more than six years ago they may not still have the agreement. Some members have been able to get old loan figures with a phone call to the bank so that may also be worth a shot.

 

As regards to overdraft protection, this too is a form of PPI and should be claimed back if you didn't agree to it.

 

ims

[jummibear]

thanks, am now sifting through paperwork and have sent a failed SAR letter asking for older info...no harm in asking eh! Which spreadsheet do I use for the overdraft protection policy please?

[jummibear]

Hi, sorry to be a pain, but could someone please tell me which sheet I use for the overdraft protection? Would it be the foscisheet? Thank you

[ims21]

Hi, sorry to be a pain, but could someone please tell me which sheet I use for the overdraft protection? Would it be the foscisheet? Thank you

 

 

Yes that would be good enough

[jummibear]

Following my failed SAR to Barclays, they have now coughed up the full 8 years of credit card statements, plus all other calls/letters etc. They have also included a copy of the original application form but I'm a bit confused...All the details are printed out, but it has been properly signed & the balance transfer section filled in by hand so how would this have been submitted do you think? Thought we would have done online in 2004 but unsure now. The payment protection bit just say 'yes, I want my account to be covered......blah blah' there is not a box to tick or a 'no' option.

[ims21]

Only you will know how the application was submitted.

 

If there is no option to elect for PPI and it was just out on the account then you should put in a claim for mis-selling.

 

Are they actual copy statements you have received or a transaction history?

[jummibear]

As I said, assumed it would be online at this time but maybe a postal app as all pre printed, will grill hubby again, see if he can recall. Def no option to opt in or out, just says yes. I have actual copy statements which is brill, now constructing the fosrunning spreadsheet. As the spready doesnt like zeros, where there is several months without action, is it ok to put a 1p monthly spend with a 1p monthly payment so it keeps the 8% interest amount going as it should?

[ims21]

Ah you are using V101?

 

Yes 1p in and 1p out will sort it.

[jummibear]

Great, thanks. Yes the v101, all completed now altho wondering if I have done an error somewhere as the account is showing in the red (not reconstructed) when the account is actually sitting with £11 quid credit on so must have put wrong figures in as surely that should be sitting at zero normally if account settled (or £11 in our case)

[ims21]

Credit balances are shown as red figures.

 

This is just to highlight when the account was in credit.....not in the sense we would normally say "in the red" or "in the black"

[jummibear]

oh god, what have I done wrong then as my card balance is always red but obviously not in credit!

[ims21]

Can you post up the spreadsheet please (MINUS ANY PERSONAL INFO)

 

Maybe I have misunderstood you

[jummibear]

here it is

FosRunningPPI v101 (1).xls

[ims21]

Please ignore me...I did misunderstand....forget what I said about red and black....must have been thinking of something else.

 

Sorry.

 

OK are you saying that at the end you actual account is £11 in credit as per the statements you have received?

[jummibear]

lol, no probs. Yes, we mistakenly paid the last payment twice so should be sitting £11 in credit but showing as -£15 odd on spreadsheet. Probably doesnt matter as cant be too big figures wrong, just bugging me, lol

[ims21]

Yes without going through it line by line with the base info I wouldn't be able to spot it.

 

In the global scheme of things it will only make pennies difference.

 

Looks like you are good to go.

[jummibear]

Just noticed when trawling through statements that between August 08 & May 10 (our period of inactivity), the word 'optional' appears before the payment protection plan; is this when it first come to light? It certainly doesnt say optional on the application form!

[ims21]

Not sure when the mis-selling scandal first came to light as such but it makes no difference to your claim

[jummibear]

No I know, was just curious, lol. Thanks for all your help, will get it posted tomorrow. That will be 3 completed, just another 5 or 6 to go!

[ims21]

That will be 3 completed, just another 5 or 6 to go!

 

Just a few then