me Vs Barclaycard, lack of evidence?

**buttons4** · 10th August 2008 22:05

I requested information on my account including all charges from Barclycard, i opened my credit card account with them in 1994. they have sent 6 years icon

worth of statements with charges listed but do not have anything else. "This information we have enclosed relating to your account is all that we hold"
My queries are:
Without any copies of the terms of agreement or contract that i signed can i prove i was missold? (i only realised i was paying PPI icon

and didnt need to in december!) I seem to remember it was an opt out box but i have no proof of this.
Also do i stand any chance of getting all the payments back from when my account opened or just the last 6 year??
I would really like to hear from anyone who has had a success against Barclaycard too!
What should my next step be?
Thank you for any help/advice!

Similar Threads:

**hellhasnofury** · 11th August 2008 17:31

Originally Posted by buttons4

I requested information on my account including all charges from Barclycard, i opened my credit card account with them in 1994. they have sent 6 years icon

worth of statements with charges listed but do not have anything else. "This information we have enclosed relating to your account is all that we hold"
My queries are:
Without any copies of the terms of agreement or contract that i signed can i prove i was missold? (i only realised i was paying PPI icon

and didnt need to in december!) I seem to remember it was an opt out box but i have no proof of this.
Also do i stand any chance of getting all the payments back from when my account opened or just the last 6 year??
I would really like to hear from anyone who has had a success against Barclaycard too!
What should my next step be?
Thank you for any help/advice!

You can always send them a non-compliance of the Data Protection Act and see if that gets you anywhere. They tend just to send you six years worth and rely on the limitations act to get away with it. You just keep pushing them. You will find the letter in the bank template letters on the front page of the forum

As for your credit agreement, not many of these companies will send you this under a S.A.R - (Subject access request icon

).

Send them a request for a true copy of your original credit agreement, if the account is still running the by law must have it

The letter is letter N on this link

Creditors and DCAs - Letter Templates & Budget Planner

**buttons4** · 11th August 2008 21:23

Thanks HHNF
Ill get the letter and nag them again. So im presuming that i can claim as far back as 1994 for PPI icon

charges that i should never have paid?

Your advice much appreciated.
butons

**adamski** · 11th August 2008 22:03

Hi
You should do as HHNF advises, if they do not have a credit agreement then they cannot prove you agreed to PPI icon

.

What are your grounds for reclaiming?
Also you should be able to claim the PPi form the date you made you first payment, if it was mis-sold I can't see how a limitation act icon

comes into it.

I have had success with ppi with an account from 1997, I got every penny plus interest icon

plus some more with GE.

**buttons4** · 12th August 2008 18:40

Hi Adamski
I am claiming on the grounds that i was missold as i was unaware what PPI icon

was, it was implied that it was part and parcel of getting the card and it was an opt out rather than in. I took out another payment protection policy years later to cover myself against all cards etc as i was unaware that was what Barclaycard PPi did as it was never explained. Do you think that is grounds enough?
How will i know how much to claim back to 1994 if i only have statements back to 2002?
thanks

**buttons4** · 27th February 2009 20:45

Hi all
Its been a while since i last posted as had no time to give to this... anyway, several letters on I have some jumbled print outs from Barclaycard and a copy of a credit agreement that does not show my signature icon

or any date and also does not mention PPI icon

!!!

How do i know this is what i did or didnt sign up to?
I also still only have 6 years icon

of statements although my PPI was being paid from 1993 up to last year.
i would really appreciate any advice on how to push for more info. Having read a few other threads I am wondering if its better to go for a claim and then anything they havent sent me would have to be declared? Or would it be best to "be prepared"?
Hoping someone can help!
B4

Thread: me Vs Barclaycard, lack of evidence?

Thread Tools

Search Thread

me Vs Barclaycard, lack of evidence?

Re: me Vs Barclaycard, lack of evidence?

Re: me Vs Barclaycard, lack of evidence?

Re: me Vs Barclaycard, lack of evidence?

Re: me Vs Barclaycard, lack of evidence?

Re: me Vs Barclaycard, lack of evidence?