Thread: Additions PPI

My daughter started an account with Addition via the internet. She pays £10 per month off a £150 credit limit. The bill is broken down into four stages:
Use of a paypoint = £0.50
interest = £2.57
Account cover Plus Protects Payments and Purchases = £2.43
the rest is taken off her balance.
So out of her £10 payment only £4.50 is coming off her bill.
I told her she was paying PPI so she phoned them and they said she agreed to purchase the PPI. I have told her if she did not sign anything she should not have to pay.
I have told her to send an SAR and then reclaim the PPI.
They didn't even give her the fourteen days option to change her mind.
Is the advice I have given her right?
Can she reclaim the PPI and claim a mis-sold PPI?

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Hi Im in the same situation and just in the process of sending a SAR to Barclays. From the advise ive got from others I believe we are both in a position to reclaim but im sure others will advise you aswell. ( Ive been paying £16 PPI a month since 2004!) The SAR is the best place to start... Do you have the SAR template?

Hello todd,

My daughter started an account with Addition via the internet

I have told her if she did not sign anything she should not have to pay.

They may say the internet agreement does not require a signature for you to agree to the CCA terms.

I would wait until you get the result of the S.A.R - (Subject access request) check all the details on the CCA and all associated paperwork to see if there is a valid case to claim mis-selling.

finney

Do you have the SAR template?

Full S.A.R - (Subject access request) for PPI from the stickies at the top of the forum - courtesy hellhasnofury

hope this helps get you started

aa

Thank you.

Mine isnt an internet account and I dont recall signing anything so fingers crossed.

thanks again

I got the template for the SAR on the PPI forum. I am posting it off tomorrow for her.

Good luck,

keep up to date with the forum I guess it is going to get much busier as time goes on..

aa

todd390 are you sending your letter to
Barclays Bank Plc
Customer Relations
1 Churchill Place
London
E14 5HP

OR

Barclays Data Protection
Radbroke Hall
Knutsford
Cheshire
WA16 9EU

As im not sure who to direct my letter to and might send a copy to both?

Thanks

Todd and finney,

please try this link to find the relevant data controller. Just enter the Name and search...

Register of Data Controllers & their roles - Information Commissioner's Office - Information Commissioners Office

Good luck again

aa

I sent the SAR to the Liverpool office in Speke Liverpool I got the address of their web site.

My daughter got her S.A.R - (Subject access request) answered from Additions and they have charged PPI at at rate of £2.99 per month and applied interest at a rate of £2.99 per month also. Does anyone have the request for repayment of PPI template please?
Thanks