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Hi to all.this is my first visit to your site.
I am not sure how things work,but i will post my question and hope you can help a 71 year old ,maybe get some money back.
I had in force a PPI with Barclays from 27/11/95.At the time i had had an accident,so was unable to work.I was never asked about wether i was working or not.I did claim for hospitalisation and was paid.
When i tried to make a further claim,it was declined as they said once i reached 65 years the policy ceased (i have the original policy).At no time did they ask me about my employment status or my medical condition .
Although they stated my policy would not pay for these conditions,they continued to take payments until 15.09.05 and then it suddenly stopped-they said i had cancelled the policy.How could i cancel a policy that had ceased once i was 65?
Did they mis-sell me this policy? as it had exclusions which they would not pay out and at 65 they also would not pay out
I would be grateful for advice and what to do. Thanks Mavin
Hi to all.this is my first visit to your site.
I am not sure how things work,but i will post my question and hope you can help a 71 year old ,maybe get some money back.
I had in force a PPI with Barclays from 27/11/95.At the time i had had an accident,so was unable to work.I was never asked about wether i was working or not.I did claim for hospitalisation and was paid.
When i tried to make a further claim,it was declined as they said once i reached 65 years the policy ceased (i have the original policy).At no time did they ask me about my employment status or my medical condition .
Although they stated my policy would not pay for these conditions,they continued to take payments until 15.09.05 and then it suddenly stopped-they said i had cancelled the policy.How could i cancel a policy that had ceased once i was 65?
Did they mis-sell me this policy? as it had exclusions which they would not pay out and at 65 they also would not pay out
I would be grateful for advice and what to do. Thanks Mavin
I am very sorry to hear of your problems here.
Barclays should have known better, and they should have made sure you would be eligible for cover.
I know this was a few years ago but down to your cirumstances I still feel this was still mis sold to you where you could possibly have a good case here.
I have not had any experience with Barclays but I am sure someone have on this site somewhere, and give you some very helpful guidance where to take this from here.
I'm sure someone will be here to help you through this soon, I wish you all the very best here and hope this gets sorted out very soon.;-)
Hi FP, you don't say in your post what the PPI was attached to. Was it a loan for example and is the account still live?
Do you have the original terms and conditions for the PPI? If you have, look through the exclusion clauses to see whether there is an upper age limit for claiming. If so, then I believe you would have been within your rights to cancel the PPI.
If not, then a SAR to Barclays requesting the T & C's will be a good starting point, including a request for a list of all transactions on the account.
If you were sold the PPI without having sufficient information to enable you to make an informed choice as to whether it suited your age and circumstances, then it would appear that you have been a victim of mis-selling.
Thanks to Di and Paintball for your answers.
I had a credit account and it was growing due to my inability to work(i have never worked since 1987 due to an accident)and Barclays advised me to take out a PPI which would cover me for any hospitalisation,not being able to work etc.I think as they never asked me about employment or that the policy ceased at 65 years or pre-existing conditions At the time I was very ill and had they just explained things,i would not agreed to such a wortless policy Regards Mavin(frenchprop)
I presume by 'credit account' you mean a current account with overdraft?
If I understand correctly you were offered PPI by the bank as they knew you were not working and suggested this would cover hospital bills, but you feel that they did not discuss the conditions that applied and your options fully.
I would urge you to send a S.A.R - (Subject access request) asking for the terms and conditions of the PPI including all transactions made (ie all the payments made) and asking for a true copy of the PPI agreement as signed by you. The T&Cs will outline all the conditions attached to the PPI including the exclusion clause you mention. But it will be interesting to see whether Barclays are able to produce the documents.
Once you have this information and you have read it you can move on to the next stage of getting your money back ...
Hi Paintball,I will do as you sujjest,write to Barclays requesting that they supply me with a SAR.
Barclays sent me a PPI policy document(1 double sheet,but no signature by me on it)do you mean that.It says the starting date and doesent give a finishing date.I also have a letter from them saying I cancelled the policy on 15/09/2005 I have no recolection of doing this.But I did cancel on my 65th once I knew they wouldent pay out,they say that they are unable to trace any contact that I had with them over the cancellation.In the letter they say the policy was opened by me to provide insurance for accident,sickness and involuntary unemployment and hospitalisation and death.I had an credit card account and because I couldent work due to an accident ,it began to rise and that is why they said for me to undertake a PPI to cover.Some trick!!!!!Mavin
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
Hi ADAMSKI thanks for your interest.
I did have pre existing medical conditions and they were diagnosed by my Dr and hospital consultants.
No i havent tried to re-claim my PPI back
Mavin
Ok
You need to simply write and ask for your PPI back on the grounds that you had a pre exsisiting medical condition and that you were not asked about it at the time of the conception of the loan.
I advise you to go to your doctor (GP) first and get a signed letter from him/her with the date of the diagnosis and that you are still suffering from the said condition, send Barclays a copy of it with this letter.
Send this for starters for the price of a stamp.
Re: Account numbers:
I purchased the above policy from you in but now believe that I was mis-sold this policy for the following:
This is due to the fact that your member of staff did not ask me about any previous medical conditions I informed your member of staff that I had previous medical conditions but they did not inform me of the effect this could have on the insurance when the policy was sold I inculde evidence of this.
This is due to the fact that I do not believe that my policy was sold in my best interests.
This is due to the fact that I was not given the correct information when the policy was sold to me,
your salesperson stated / implied that taking out the policy would assist my credit application.
your salesperson was very pushy in selling me the policy so that I felt I could not say no.
your salesperson did not tell me that the policy was optional and I have since realised that I have alternative insurance cover.
your salesperson stated / implied that taking out the policy was essential for me to get the associated credit even though I informed them that I already had alternative insurance cover.
i am concerned the sales assistant that sold me the policy has no financial background and the policy was not sold in my best interests.
Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.
I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.
Yours faithfully,
Put a copy of the doctors letter with the letter and make sure you send it recorded delivery.
You have a good claim but be prepared for a fight.
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
This is a good letter that Adamski has posted up. I would further embellish it with some reference to FSA guidelines/legislation and outlining/evidencing how Barclays are in breach of the latter which constitutes mis-selling.
Morning Paintball and Adamski,So great to heve superb friends willing to advise me.
When i moved house several years ago i asked my Dr for a copy of my notes etc.so i have all letters and medical notes from my accident in 1982.
Would it be alright to copy any of these to go with my letter to Barclays as my presenr Dr is quite recent and I do not expect he knows my case from that long ago?
I will add that the salesperson who sold me the PPI policy also never checked to see if i was working-never been able to work since accident 1i 1982
I think the banks representative just wanted to sell me the policy because my credit card amount was rising-i never saw the person ,they did it over the phone,that is why i cannot remember ever signing an application,even though the bank said they had posted the policy to me.This is helping me very much and I will make a donation,if I win and with your expert help.i will Best wishes Mavin
Morning Paintball and Adamski,So great to heve superb friends willing to advise me.
When i moved house several years ago i asked my Dr for a copy of my notes etc.so i have all letters and medical notes from my accident in 1982.
Would it be alright to copy any of these to go with my letter to Barclays as my presenr Dr is quite recent and I do not expect he knows my case from that long ago?
I will add that the salesperson who sold me the PPI policy also never checked to see if i was working-never been able to work since accident 1i 1982
I think the banks representative just wanted to sell me the policy because my credit card amount was rising-i never saw the person ,they did it over the phone,that is why i cannot remember ever signing an application,even though the bank said they had posted the policy to me.This is helping me very much and I will make a donation,if I win and with your expert help.i will Best wishes Mavin
Hi Di thanks for your letter of support.I have just spent 2 hours compiling my letter to Barclays claiming their gross miss-selling of a PPI that I couldent claim on.Off to the post office to send registered,so keeping my fingers crossed-cant do my legs as I am an amputee---thanks for your support and help--will keep all informed Mavin
Hi Di thanks for your letter of support.I have just spent 2 hours compiling my letter to Barclays claiming their gross miss-selling of a PPI that I couldent claim on.Off to the post office to send registered,so keeping my fingers crossed-cant do my legs as I am an amputee---thanks for your support and help--will keep all informed Mavin
Well done Mavin.;-)
We look forward to hearing the outcome of this with a bit of luck it will all go straight forward for you.
Going by everything though, as I said you do have a good strong case here, and it should all go in your favour.
We are all with you and back you all the way.;-)
Hi All,received letter from Barclays
They say," my PPI commenced on my account on the 27/11/1995 and docs sent to me with 30 day cooling off clause.They say I never queried any of the charges and so i must have considered it suitable.
Insurance cancelled on 15/09/2005.
What they have done to review my complaint,
I did have a valid policy and it was my responsibility to check.The premiums I was paying was for insurance for life. accident,sickness and involuntary unemployment.In the circumstances thgey advise that compensation was not applicable.Our conditions state that it is my resposibility to ensure that spending is reconciled each month against my statement PPI was shown on each statement .
They are sorry that this is not the outcome i wanted but then they say about going to the financial Ombudsman service and this was their final response
At no time did they answer my statement about mis-selling ie.I wasent working the whole of the period of the PPI(they never asked me )so i couldent ever claim for unemployment That I had a road accident and so could not claim anything to do with any injury I suffered,that all payments ceased when i became 65 years so from June 2001 until they stopped taking payments on 15/09/2005 ,no mention of this in letter
This was their reply,absolutely nothing answered regarding mis-selling,only that it was my so called responsability to check my statements.What do I do now,not happy about using F.O. Help Help
Hi BOG and di0430,Thanks for your support.I have sent a letter to Barclays,recorded,as per adamski's and paintballs sujjestions,great help.I dident attach any correspondence from Drs/Hospitals etc as I have all the letters/files from my accident onwards which include the time when they sold me the policy.Obviously I have them if it goes to court(its just I do not wnt anybody reading my details)The thing that bugs me is that Barclays did not answer one of my complaints regarding mis-selling,they just kept on about me reading and accepting the agreement.to say they have not done anything wrong.I will keep plodding along and with your help,I will win Mavin
You say they have not been answering anything on your complaints.
I would contact them in writing and tell them you will contact the ICO (Information Commissioners Office) to complain to them with not complying to you, and they are ignoring your requests.
And of course they have done something wrong - they have mis-sold you a product which you are not eligible for.
PPI reclaiming
with Barclays
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Originally Posted by frenchprop
Re: PPI reclaiming
