Help in advance of submitting information. Please!

[Aeh]

Hi looking for a bit of guidance please.


I had my head in the sand about past finances and found it too much to even think about claiming ppi. I've sorted myself out now and want to pursue ppi for some last cards.i had quite a lot on cards so I think I could be owed a reasonable amount to make it worth a chase.


I received a letter from barclaycard relating to an egg MasterCard and a goldfish/Morgan Stanley card. I didn't have the account details so I called and was surprised at how helpful they were to fill in the gaps in information about the past accounts.


So I have found out I can go through the online claim for


Egg MasterCard, card taken out in 2005 and ppi cancelled in 2011 (I think this is when it transferred to barclaycard. Ppi was on the account from the outset.


Morgan Stanley/goldfish card taken out in 2004 but ppi wasn't added to my account until 2008. I think this card has gone through several owners goldfish morgan Stanley and possibly MBNA before going to barclaycard. But I'm not sure off that.


I also had an egg Visa card that I didn't get a letter for telling me I could claim online so was advised to write. This was taken out in 2003 but ppi not added to the account until 2006.




I can't remember taking out ppi when I applied for the cards and most definitely not adding it after, I certainly didn't understand what it was or would have wanted it. I know that I would have been better off putting the amount it would be away each month to help me in any bad situations why would I want to make my payment bigger?!
I am also not sure if I was eligible for it/could have used it as I believe (but can't find my contract) I was on a 3 year fixed term contract of employment.


What sort of information am I best including as the reason for miss selling? I'm worried about putting something weak as I didn't know what it was/didn't know I had it as they can just come back and say it was my fault for being an idiot! I'm also worried that I can't remember it being added/taken out.

Thanks in advance.

[di30]

Re: Help in advance of submitting information. Please!

Hi and welcome

There are lots of reasons why people have been mis sold.

For example, it may have just been added automatically without your consent.
If you were full time employed, your employer may have covered you for sickness for so many months etc.
If there was a pre-med condition at the time you were sold ppi or when the ppi was added to your account, its unlikely a claim would pay out for that particular sickness reason.
If you worked part time hours for eg, less than 18 or in some cases less that 16 hours a week, the cover was probably worthless to you.
Many as well was pressurised into taking on the PPI, for eg to help be approved for an application (well that is what they told them).

So any reason that may apply to you do let them know.

A Subject Access Request (SAR) may help.

This is a template letter to ask for info on your account, but some may only go back the last 6 years. On the other hand myself and many others when requested for a SAR have been lucky to receive data going all the way back to the 90's, but not all the businesses are the same.

When you send a SAR, they have 40 Calendar days to comply, you enclose one payment of £10 cheque or postal order, if they're not able to comply to the SAR they must return your payment with a letter of explantion.

If you would like a SAR template let me know and we can post this up for you.

Basically its one SAR per business and NOT per account, for example, if you held a few loans and cards with the same bank/business then one SAR with the one payment is sufficient.

A SAR is not compulsory but maybe helpful if you do receive back some info, as it may help you to recall the sale of the finance etc.

Each business may differ on their Terms & Conds of PPI, its not always the case though.

[Aeh]

Re: Help in advance of submitting information. Please!

Thanks that's great. I think my problem is I just didn't know I had it and can't remember ever getting it! If it was from someone phoning me up I would never have accepted something like it so I feel kind of silly I can't remember!
I guess I would be best putting in a SAR to barclaycard before completing the online form as it may give me more information as to why/when I was sold.
A link would be really helpful thanks, I could put one into barclaycard asking for all 3 account info?

[di30]

Re: Help in advance of submitting information. Please!

Thanks that's great. I think my problem is I just didn't know I had it and can't remember ever getting it! If it was from someone phoning me up I would never have accepted something like it so I feel kind of silly I can't remember!
I guess I would be best putting in a SAR to barclaycard before completing the online form as it may give me more information as to why/when I was sold.
A link would be really helpful thanks, I could put one into barclaycard asking for all 3 account info?

Your welcome and yes one SAR for Barclays is fine,if you still have the account numbers of each 3, then apply them to the SAR, if not ask them to send ALL info held.
I shall dig this out for you now and back shortly with the SAR template letter.:tinysmile_twink_t2:

[di30]

Re: Help in advance of submitting information. Please!

[ Your Name & Address ]

The Data Controller
[ address ] Date:

Dear Sir/Madam,

Data Subject Access Request - Pursuant to the Data Protection Act 1998

Data Subject: [ xxx, address as above, and formerly of: ]

Please supply all data that your company holds relating to my entire account history. Whilst not exhaustive, for the avoidance of doubt I list below what I require:

o Full and legible copies of all contracts and agreements that have existed between myself and your organisation, including copies of any documents you hold in support of same. This is to include account no. [XXXX]
o Full and legible copies of all statements relating to the above accounts. This is to include all credits, debits, charges & interest applied to my account(s) including details of any instances that required manual intervention. It is also to include monthly account balances.
o Full and legible copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts.
o Full unedited copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them.
o Full and legible copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
o Full details and legible copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party.
o Full and legible copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information.
o Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of the same, and at the time it was held or provided to a third party.
o If any data has been deleted or disposed of, the methods used to do so, including dates, reason for deletion, certificates or documents confirming details of destruction. If you are unable to provide such certificates, then I require a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.
Please be aware that the Data Protection Act 1998 clearly states that all information held must be disclosed and there is no correlation to the Limitation Act 1980 whatsoever. This request therefore lawfully includes any and all data which is older than six years. If you do not hold any data older than 6 years, then I require a signed declaration from your data controller confirming this, and a copy of all documents pertaining to its proper disposal.

All data - including data held on a microfiche or similar systems - must be provided within 40 days, and if you require a fee for this, then I enclose the maximum statutory fee of £10.00 – which must not be used for any other purpose. If you choose to waive all or part of the fee, then please be aware that you will still have a legal obligation to comply with this request. I thank you in anticipation of a prompt and full response and compliance.

Yours faithfully,

[ Sign ]



[ Print your name ]

Encl: £10.00 fee.

[Aeh]

Re: Help in advance of submitting information. Please!

Thanks! I had posted on another forum but found the responses made me feel worse and more confused about things!
I wonder what the sar will show, hope for something but won't hold my breath. Can I ask specifically for it to highlight where and when I was sold ppi or assume it should be included when asking for the above.

[di30]

Re: Help in advance of submitting information. Please!

Hiya

SAR letter posted above post...:tinysmile_twink_t2:

If you had PPI, it should realistically be enclosed within the data info held within the SAR.

Don't worry you will get there, at first it does seem to be confusing, but you will soon get the hang of it all.

We are here to help.

[Aeh]

Re: Help in advance of submitting information. Please!

Sent of the sar to barclaycard.

As as it was going in the post box it dawned on me should I have sent it egg well Canada square as they may have more info?
should I hope Barclays have it or send one to egg incase?

[di30]

Re: Help in advance of submitting information. Please!

See what Barclays come back with, as you dont want to be spending a bomb on SAR's if you dont have to.:tinysmile_twink_t2:

[Aeh]

Re: Help in advance of submitting information. Please!

Wow so I have finally had my sar info back!
i am not sure what I am looking for I have reams of previous statements and a huge printout on what looks like old fashioned printer paper of nonsensical info!

it does have info about my applications. I had 3 cards I requested info from 2 has a print out that I applied online. For those as far as I can see I didn't have ppi on the card from the outset but it appeared later on!

the other has an application for with my signature on it saying that I requested ppi. I can't remember for the life of me signing it and I really didn't understand what ppi was!
what should I look for and what should I do now?

thanks in advance
Alice

[di30]

Re: Help in advance of submitting information. Please!

Wow so I have finally had my sar info back!
i am not sure what I am looking for I have reams of previous statements and a huge printout on what looks like old fashioned printer paper of nonsensical info!

it does have info about my applications. I had 3 cards I requested info from 2 has a print out that I applied online. For those as far as I can see I didn't have ppi on the card from the outset but it appeared later on!

the other has an application for with my signature on it saying that I requested ppi. I can't remember for the life of me signing it and I really didn't understand what ppi was!
what should I look for and what should I do now?

thanks in advance
Alice

Hi
sorry for posting late.

So are you saying that PPI was applied later on but not at the time you opened the account?

Signed or not for ppi does not necessarily mean anything really, but if you have reasons, for eg: unemployed, worked part time hours, pre med conditons then for example, it would have been worthless to you anyway, so if any of these apply to you you are in your right to making a reclaim etc........:tinysmile_twink_t2:

[Victoria27]

Re: Help in advance of submitting information. Please!

Hello, Alice.

my friend, our brilliant Di is absolutely right.
I agree with every word she said.

If I understand you correctly, on one of your cards it shows that you did apply for PPI, though you do not recall it.
on the other card (or 2 cards), you did not apply, but it appeared later without any reason.
is that correct?

The fact that your signature, or box is ticked there, is not on its own a proof of your intention to take PPI, as Di has already pointed out.

1. now, when you look at your SAR materials, there should be some papers about your telephone calls. They usually describe what was the call and conversation related to. It shows the date of the conversation and a brief description.
could you find there any reference to the PPI request in relation to the card for which you DID NOT apply originally?

2. What were your circumstances when you applied for your card?
Is it likely to show that you WOULD NOT have benefited from that policy?
(for instance, your employment status, or pre-existing med conditions).

3. Was it advised or non advised sale?
Was it after 14th of January 2005, which would make it regulated?

4. It is very wise that you got your SAR prior to starting your complaint.
It may be very helpful. It is important to prepare your case properly, checkng thoroughly your SAR.

When you have a chance, may be you can update us on your personal circumstances which could possibly show WHY you DID NOT need this insurance and what is in your SAR about your requesting PPI, (hopefully nothing... )

We'll take it from there.

best,

Victoria

[Aeh]

Re: Help in advance of submitting information. Please!

Hello, Alice.

my friend, our brilliant Di is absolutely right.
I agree with every word she said.

If I understand you correctly, on one of your cards it shows that you did apply for PPI, though you do not recall it.
on the other card (or 2 cards), you did not apply, but it appeared later without any reason.
is that correct?

The fact that your signature, or box is ticked there, is not on its own a proof of your intention to take PPI, as Di has already pointed out.

1. now, when you look at your SAR materials, there should be some papers about your telephone calls. They usually describe what was the call and conversation related to. It shows the date of the conversation and a brief description.
could you find there any reference to the PPI request in relation to the card for which you DID NOT apply originally?

2. What were your circumstances when you applied for your card?
Is it likely to show that you WOULD NOT have benefited from that policy?
(for instance, your employment status, or pre-existing med conditions).

3. Was it advised or non advised sale?
Was it after 14th of January 2005, which would make it regulated?

4. It is very wise that you got your SAR prior to starting your complaint.
It may be very helpful. It is important to prepare your case properly, checkng thoroughly your SAR.

When you have a chance, may be you can update us on your personal circumstances which could possibly show WHY you DID NOT need this insurance and what is in your SAR about your requesting PPI, (hopefully nothing... )

We'll take it from there.

best,

Victoria

Hi

and thanks both. I can't see any records of calls on the paperwork at all. It all looks mumbo jumbo!

i was employed full time when I took out the card/s and would have been paid paid sick pay etc by my employer, I don't however have anything at all to prove this :o(

[Aeh]

Re: Help in advance of submitting information. Please!

Just going over the paperwork again looking for any telephone records. I notice that for one card I took out in feb 2003 it lists "card protect tel 08701 201054" on the statement for July 2003 £15' July 2004 £15 and July 2005 £20. Would this be PPI? It only appears in July for those years. Then I cleared the balance in oct 2005, starting using it again in March 2006 then "credit cover premium" starts to appear in April 2006.

[Victoria27]

Re: Help in advance of submitting information. Please!

Thank you, Alice.
Yes, those references could well be related to PPI.

It is good for your case, that it appeared without any registered request from you and you did not apply for it from the beginning on your form.

Is it correct, that you have SAR for 3 cards altogether and you ticked the box for PPI on one application, but did not do it for other 2 cards, where PPI appeared later?

About your employment full time, you say you cannot prove it.
is it no way to get this information from your former employer, some tax records, NI contributions etc.? Anything at all?
It would be helpful for your case if you could show that you did not need this policy, because.....
May be it will be enough for them to take your word for it.

I know everybody has different experience, but I have to admit, that in my case, Barclays was the best, being helpful, not at all difficult and they refunded everything for me.
I know I was lucky and not everobody had such an experience.
my personal cases were very straight forward as I was not covered by PPI due to my employment status and occupation.

May be you will not have difficulties with them if you can show them that you did not need PPI.

the fact that you did not originally apply for it and it appeared later without your request works in your favour.

You can put more than one reason for your complaint.

I think for the cards you did not have PPI from the start you will explain that you did not request it and it appeared without your consent.

with the card where there is your signature you just tell the truth, explaining that you did not realise you took an optional product by signing.

You did not need additional expensive cover, considering your situation. We always try to reduce our expenses, not to add unnecessary expenses.
Why would you decide to take cover you did not need.
ppi is not cheap, but rather expencive cover.
if you had other means to make your repayments, why would you take it?

This is reasonable.

the only way you could sign for it was either if you were led to belive it was compulsory, or you did not realise that by signing the document you agreed to take some additional optional product as you clearly did not need it.

You even were not aware you had it, that is why you called the bank to check.

I hope it works.

let's see what other experts think.

best,

Victoria