Thread: Can I claim PPI

Hi,

Just noticed in my Barclaycard statement that I am being charged for Payment Protection. This is not something I can ever recall agreeing, nor is it something that I would agree to.

Looking through the checklists of whether I have a valid claim or not, I cannot see anything that says of being sold PPI without knowledge.

However I would imagine that in these circumstances I do have the right to claim??

Anybody else have anything similar?

Thanks

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hellhasnofury and others are the real knowledgable ones on this issue.8-)

I would say though, that if you have not agreed to PPI and it has been added to your Consumer Credit Agreement without your knowledge then you have a case to reclaim the costs incurred. If you take time to check and follow some of the other threads you will soon get the idea of what has been happening.

PPI has been widely mis sold for some time and various financial institutions are about to reap the whirlwind for their lack of management.
Not all claims will succeed but if in doubt go for it. If you put up a fight you may win the try is worth the effort. I am claiming and may have to go to a court case If that happens you will see a massive increase in my posts

good luck

aa

Hi Jnnyk
Ask them to send you an ORIGINAL copy of your Apllication Form you may have to send them a DPA / Subject access request

Hi Jonnyk
Ask them to send you an ORIGINAL copy of your Apllication Form you may have to send them a Data Protection Act / Subject access request[/quot

Thanks for all your feedback - I'll send the letter asking for the original Application Form. Is there a template for this letter anywhere on the site?

Thanks again,

Jon

following on from my last post, think I've found an appropriate template on site... I'll begin filling it in now.

Hi, thanks for your comments:

I was going to use the following template:

Your address

Their Address

Date
DATA PROTECTION ACT 1998
Subject access request


Dear Sir/Madam
Your name: xxxxxx
Account No/ No’s



I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts And or credit cards

Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and or credit cards, payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.

- A complete list of all transactions or statements relating to ALL of my Loan Accounts and or credit card with your organization.

-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.

- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

I enclose a cheque in the sum of £10 to cover your fee.

IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.

I look forward to hearing from you in the first instance of receipt.

Yours faithfully




As this also asks for my transaction history which I will also need, should I send this aswell or just sent letter N on your link and wait to see what arises from that??

Cheers,

JK

Update:

I sent the letters asking for my contract and transaction history - received yesterday ONLY:

Signed copy of Credit Card Agreement
Barclaycard Executed Agreement
Current Barclaycard Conditions

Ie, I've not received a history of charges which I requested - I want to see all of the PPI I've paid and any additional charges I've incurred.

First question is what should I do now regarding the missing info? Is it normal that they would be sent seperately - would it be different departments dealing with my letter?

Second question is regarding the PPI. The application is dated 17.5.01, which I have clearly signed (so must have done this in person but cannot remember doing so). The PPI box is ticked, however this is not something I have specifically opted into, it is preticked as printed on the application. I cannot recall being given any advice about this at the time of sale, and PPI is not something that I would ever knowingly agree to.

Do I have a case of a missale of PPI? If so, what should I do next?

Any feedback and advice would be most appreciated.

Thanks in advance

JK

Hi,

Sent me tenner with the letter - didn't send two seperate letters but combined the requests in the one letter. Is that ok, or should I have sent the letters seperately??

Thanks

Okey dokey, I'll keep my eye on the calendar for those 40 days..! Thanks for your help

Oh, one other thing - I did only send one ten pound cheque to them for the request which was for both copies of my contracts and my transaction history. Do you think that there is any chance that they will be of the opinion that the £10 did not cover all their administration costs and will not be forthcoming with both requests???

Hi Jonnyk
Do you have a copy of your origignal PPI policy?
I am having trouble getting copies of my documents in a letter from Citi Cards in relation to CCA s.78 they told me they do not have to send the full details of Executed Agreements they can make ommissions form this.
they should send all your statement under DPA request but will delay as long as possible.
Like you on my application the Box is preticked with a Printed "X" obviously you or I did not put it there. I am TRYING to claim on this aspect but I dont think they will submit to this and it will probably end up with the fos to decide or the Court. Here is the address
Peter Townsend
Manager
Barclays Data Protection
Privacy and Data Protection
Radbroke Hall ,
Knutsford ,
Cheshire
WA16 9EU

You really have to push BC to send you ALL of the data, it took me 3 letters and 3 phone calls. Use the Radbrook Hall address - it worked for me

I don't have any of my original contracts, just the copies that I have recently received, which is my Barclaycard Application, my Barclaycard terms and conditions and another updated terms and conditions.

I was intending to write a letter to that address (thanks for that info) requesting a refund on my PPI charges on the basis that I have been paying for insurance that I did not know I had taken out so could not have been explained properly to me, and refer to the preticked box. Incidentally, the printed cross in this box is about a quarter of the size of other preprinted crosses in the application, as if designed to be subtle and missed by the reader. Is that relevant??

Do I need more information before I can proceed with the above action?

I also want to claim charges I have incurred, but to get things in motion thought I'd maybe handle the two claims seperately.

Thanks a lot for all of the advice already given, all help is very much appreciated.

Hi Jonnyk
I am very very interested in your little Tick.
I believe the little Tick is definitely designed to be missed.
I believe when a customer asks for credit the "sales person" asks the relevant questions and Types in BIG X's in the appropiate boxes AND minuscule x's in the INAPPROPIATE boxes.
The application form is then sent/handed to the Prey/Victim/Customer to unwittingly sign for PPI which is hidden from their view.
I have seen X's not even printed in the boxes but a line below the "Boxes" and a minuscule x so cleverly hidden on the second ( o ) of the word protecti(o)n under the Box that it requires a magnifying glass to verify that it is there at all.
Clearly misleading; clearly miss selling and maybe theft or fraud but
definitely a con.
Keep in touch Jonnyk.
What do you make of this Hellhasnofury?????

PS
Just how visible or INVISIBLE is the little Tick?