Lastlaugh V Barclays PPI - advice please

[Lastlaugh]

I wrote a letter to Barclays claiming my PPI was mis sold on a Barclays loan as I am self employed and it did not cover me when my business failed. They have replied stating that a refund is not due because they sent me a policy certificate outlining the terms and conditions further more they cannot comment further. They have given me eight weeks or they will close the complaint. They have told me to go to the ombudsman
Is this a standard letter, what do I do now? Please help

[hellhasnofury]

Originally Posted by Lastlaugh

I wrote a letter to Barclays claiming my PPI was mis sold on a Barclays loan as I am self employed and it did not cover me when my business failed. They have replied stating that a refund is not due because they sent me a policy certificate outlining the terms and conditions further more they cannot comment further. They have given me eight weeks or they will close the complaint. They have told me to go to the ombudsman
Is this a standard letter, what do I do now? Please help

Hello,

have you read this sticky
PPI - Some Notes for Claimants

What did you write in your letter to barclays? can you tell us?

There has to be proof of mis-selling under certain criteria

No ppi no loan
If self-employed, not covered, do you have the terms and conditions they gave you.

These companies will deny everything, because it is not in their interest to reveal their devious tactics in how they *** us.

If you feel that you have been mis-sold the ppi, you must request that they pay it back to you.

Good luck

[Lastlaugh]

Hi,
I used the template letter from this site and said that I was Mis sold PPI due to the fact that it did not cover me I was self employed. They have said in their letter and I quote ' I note that you feel that you were ill advised about the insurance when taking the payment protection. I would like to clarify that I cannot comment on any conversation held at branch level between you and a personal banker'
The loan was taken out over the phone and not at a branch, I do have the terms and conditions that they gave me and it doesnt say I am not covered it is only when I tried to claim that they told me on the phone that I am not covered because I am self employed. I did try to stop the PPI at the begining but they said I couldnt the loan would have to be paid off and a new loan taken out.
I am unsure how to respond to this letter now.
Thank you for helping me

[hellhasnofury]

Originally Posted by Lastlaugh

Hi,
I used the template letter from this site and said that I was Mis sold PPI due to the fact that it did not cover me I was self employed. They have said in their letter and I quote ' I note that you feel that you were ill advised about the insurance when taking the payment protection. I would like to clarify that I cannot comment on any conversation held at branch level between you and a personal banker'
The loan was taken out over the phone and not at a branch, I do have the terms and conditions that they gave me and it doesnt say I am not covered it is only when I tried to claim that they told me on the phone that I am not covered because I am self employed. I did try to stop the PPI at the begining but they said I couldnt the loan would have to be paid off and a new loan taken out.
I am unsure how to respond to this letter now.
Thank you for helping me

Hello,

Well I never,

Did you ask for a Subject Access Request under the data protection Act. You have a right for all communication between yourself and the company to be given to you. That includes recorded telephone conversations if you applied on line.

As for not making a comment I would like to clarify that I cannot comment on any conversation held at branch level between you and a personal banker'. Surely they are responsible for their employees.

Just go get them

[Lastlaugh]

Thank you for your help, shall I threaten to take them to court or shall I go the OFS route?

[hellhasnofury]

Originally Posted by Lastlaugh

Thank you for your help, shall I threaten to take them to court or shall I go the OFS route?

Hello,

I think it up to you, Some people have done both. Sent the prelim letter, lba and then court, which it may get too and also sent In a complaint to the FSA and the FOB.

[reidnet]

Hi,

The FOS will only take up your complaint once you have received a final P**s off letter from the bank.

If you have not submitted a Subject Access Request under the data protection act to obtain all the information that they hold on you I would personally submit a Subject Access Request and request all Transcripts / Audio recording of all telephone conversations.

And of course Barclays are a full reputable Bank..Did you see Whistleblower the other week...lol

Good Luck

Ian

[Lastlaugh]

Thank you for your help, I have sent a Subject Access Request for my bank charges.
Do I do another just for the PPI. At the moment both Barclays and the Woolwich have until 2nd April to get the information to me and I think they are not going to send it. Both my cheques were returned and I used the template letter from this site.
Thank you once again for your help

[reidnet]

They may supply them along with the info on your charges, If you have asked for all Information relating to all accounts they should.

Ian

[Lastlaugh]

Could you please let me know if this letter is ok to send back to Barclays Dublin in response to their letter telling me to get lost!

Dear Ms Hogan


I am writing to request that my complaint be escalated in line with the Bank’s internal complaint procedure. I am very unhappy at your initial response to my communications with yourselves, as I feel strongly that I have been mis-sold PPI, and that you have no concern whatsoever at this.

As stated in my previous correspondence dated 7th March 2007, this policy was mis-sold to me by a member of your staff. The loan was taken out over the telephone and I did not meet a personal banker! Furthermore I did try and make a claim when my company went into administration only to be told I was not covered. This added to my financial difficulties at the time and caused the default on the loan. The copy of the Policy Certificate you sent me does not match the original that I hold.


I also made attempts to cancel the policy and was told I could not unless I paid off the loan in full. I would not have been able to have secured a new loan to cancel the PPI because of my financial situation.

This policy was sold in a deceitful manner by a member of your staff and this matter has also been discussed with the FSA and a complaint form has been filled out for the Financial Ombudsman Service.

I would like to bring to your attention the FSA principles of ‘Treating customers fairly – towards fair outcomes for consumers’.

Principle 7 “A Firm must pay due regard to the information needs of its clients, and communicate information to them in a way which is clear, fair and not misleading”.

Principle 9 “A firm must take reasonable care to ensure the suitability of its advice and discretionary decisions for any customer who is entitled to rely upon its judgment”.

I would also draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.


I feel that in relation to the above points, Barclay’s bank has been sorely lacking in this instance.

I require a refund in the form of a cheque for the sum of £3086.88
I require repayment in full of this money and if I do not receive this refund within 14 days I will be submitting the completed complaint form regarding this matter to the Financial Ombudsman Service forthwith.

Shortly afterwards I will also be considering bringing a claim for the stated amount in my local county court.


Thank you for your help!

[Lastlaugh]

Today i have received a letter back from Barclays PPI which reads as follows

Dear Lastlaugh,

At the outset I would like to apologise unreservedly for any upset caused. I can assure you that we are commited to premium customer care in Barclays Insurance Dublin and we are not prepared to accept anything less than standard.

I can confirm that our underwriters have escalated your complaint to Barclays Bank Head Office Customer Relations Unit. Who will investigate and respond to you directly as we are unable to comment on the sale of this policy.

If you would like to talk about this further please call me on 0800 783 00101. I will keep your complaint file open for 8 weeks so you have time to consider my response. If I have not heard from you by then I will regard your complaint as closed

Our aim is to resolve all complaints internally, although we recognise this may not always be possible. If we are unable to agree a way forward you may be able to ask the financial Ombudsman service to review your complaint. We will help you if you would like to do this; however, I hope we can resolve matters for you before you take this step.

We take your complaint seriously as the comments you have made help us to identify where we can improve in the future. Once again I am sorry for the problems you have experienced. Thank you for letting us know.

Yours sincerely,

Sinaed
Consumer Affairs Team

Do I now send the LBA ? I am claiming £3068 and who would i address it to as it appears this has been passed to Barclays Bank?

Any help would be greatly appreciated

[hellhasnofury]

Originally Posted by Lastlaugh

Today i have received a letter back from Barclays PPI which reads as follows

Dear Lastlaugh,

At the outset I would like to apologise unreservedly for any upset caused. I can assure you that we are commited to premium customer care in Barclays Insurance Dublin and we are not prepared to accept anything less than standard.

I can confirm that our underwriters have escalated your complaint to Barclays Bank Head Office Customer Relations Unit. Who will investigate and respond to you directly as we are unable to comment on the sale of this policy.

If you would like to talk about this further please call me on 0800 783 00101. I will keep your complaint file open for 8 weeks so you have time to consider my response. If I have not heard from you by then I will regard your complaint as closed

Our aim is to resolve all complaints internally, although we recognise this may not always be possible. If we are unable to agree a way forward you may be able to ask the financial Ombudsman service to review your complaint. We will help you if you would like to do this; however, I hope we can resolve matters for you before you take this step.

We take your complaint seriously as the comments you have made help us to identify where we can improve in the future. Once again I am sorry for the problems you have experienced. Thank you for letting us know.

Yours sincerely,

Sinaed
Consumer Affairs Team

Do I now send the LBA ? I am claiming £3068 and who would i address it to as it appears this has been passed to Barclays Bank?

Any help would be greatly appreciated

Hello,

Seems a lovely letter that they sent you Basically telling you nothing.

I would now send them your lba sticking to your deadlines not theirs.

Maybe ring the lovely letter writer Sinaed and ask her where to send it
Either back to her or to head office at barclays Barclays Bank Head Office Customer Relations Unit

[reidnet]

They take Customer complaints seriously...well why the Hell can they Not give Answers to complaints... Instead of just fob of crap letters..

Ian

[Lastlaugh]

Hi, now here is my update, I did as Hell said and called Sinaed at Barclays Insurance Dublin. Unfortunately she was on the phone and I spoke to another lady.
On asking her who I should address my next letter to initially she said to Barclays Head Office; to which I replied ' Okay, I will send a Letter before action to them, as I have written two letters already and I want to go to court to claim my money back' Nice lady then says 'please hold while I speak to Sinaed'
She then returned and said 'could you please send the Letter before Action directly addressed to Sinaed'

So what do make of this? Is my claim with Barclays Head Office or Barclays Insurance Dublin? I will send the LBA today to Sinaed in Dublin but am not sure what to make of the situation.

[Lastlaugh]

Hey sorry me again................the LBA is there a template for this with PPI