Routing through some old paperwork searchin for something else

**davey_weir** · 23rd October 2008 12:21

When I found that my Barclaycard (which is currently under a repayment agreement with the interest icon

frozen) had a PPI icon

on it. I found the following letters:

3 May 2006

Dear (me)

Termination of Payment Protection
I'm writing about the Payment Protection Insurance on your Barclaycard account. We are no longer prepared to allow Payment Protection Insurance Premiums to be debited from your account due to its current position. This means your insurance cover will end, and we'll notify Barclays icon

Insurance (Dublin) Limited to this effect.

If you're able to make a claim you can call 0500 500 7000 for the relevant claim forms, and you should also call Barclaycard on the number shown on this letter head (0870 366 5389)

If we do not hear from you within 14 days we will contact Barclays Insurance (Dublin) Limited as described.

Yours Sincerely

K Mallinson
Manager

Now, my point is, look at the date. I was unemployed when they cancelled this but did not make a claim, and I have just found out that the PPI would have covered unemployment. I wasnt told this and therefore incurred charges for things like late payment, over my limit etc. If I would have known that PPI covered unemployment maybe I wouldnt have ever had to go into the repayment plan icon

which I am in now?

Do I have a case?

Similar Threads:

**ultra** · 23rd October 2008 13:07

Hi

The first thing i would do if you haven`t allready is put in a claim for your credit card charges. They will pay you back what ever they have charged you over £12 straightaway, when you have received that carry on with your claim and they will pay you the £12 charges back aswell.

In regard to the PPI icon

i think you will struggle in making a claim as they didnt tell you it would cover you for unemloyment and the insurance company will just say its been to long since you should have made the claim so they wont pay out. However you could poss claim back the money which you have paid in relation to the PPI if it was mis-sold i,e you didnt know you had it or was told you have to have the PPi.

Hope this helps

Nick

**davey_weir** · 23rd October 2008 14:44

Have already asked them for a Breakdown icon

of charges and the process is pretty much the same as with the bank charges isnt it.

I remember having PPI icon

, I just dont remember being told the full benefits of it.

Im actually getting copies of every agreement Ive had to see if I had been mis-sold anything as I have just found out I was mis-sold a car i.e. the agreement wasnt what I was told and Im being held liable for £8000!!!

**alanalana** · 23rd October 2008 18:03

Hello nickk and davey,

In regard to the PPI icon

i think you will struggle in making a claim as they didnt tell you it would cover you for unemloyment and the insurance company will just say its been to long since you should have made the claim so they wont pay out. However you could poss claim back the money which you have paid in relation to the PPI if it was mis-sold i,e you didnt know you had it or was told you have to have the PPi.

Where did this information come from please?

Please see these links for claims on mis-selling PPI.

For claims before 2005 and the FSA ruling from which campaign
How to tell if you’ve been mis-sold PPI
Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

It would appear that the bank have decided to withdraw and cancel the PPI due to the position of your account. Not sure to the legalities of this action.

I hope this information is of use

aa

**davey_weir** · 24th October 2008 00:24

Originally Posted by alanalana

Hello nickk and davey,

Where did this information come from please?

Please see these links for claims on mis-selling PPI icon

.

For claims before 2005 and the FSA ruling from which campaign
How to tell if you’ve been mis-sold PPI
Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

It would appear that the bank have decided to withdraw and cancel the PPI due to the position of your account. Not sure to the legalities of this action.

I hope this information is of use

aa

Thanks for your reply, but the links you have posted tell me that the website is not found

**alanalana** · 24th October 2008 01:23

Hello davey,

Thanks for your reply, but the links you have posted tell me that the website is not found :cry:

this is the second time this has happened leave it with me and I will try and find working links for the info and post it up.

aa

**alanalana** · 24th October 2008 01:28

Hello again davey,

the two links are in this thread in stickies at the top of the forum. From this thread they work ok....

links

and here they are as copied from this thread if you still have trouble please post again.

For claims before 2005 and the FSA ruling from which campaign
How to tell if you’ve been mis-sold PPI
Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

aa

**ultra** · 24th October 2008 09:51

Originally Posted by alanalana

Hello nickk and davey,

Where did this information come from please?

Please see these links for claims on mis-selling PPI icon

.

For claims before 2005 and the FSA ruling from which campaign
How to tell if you’ve been mis-sold PPI
Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

It would appear that the bank have decided to withdraw and cancel the PPI due to the position of your account. Not sure to the legalities of this action.

I hope this information is of use

aa

Hi alana

I meant he would struggle in making a claim due to his unemployment not the mis selling of the ppi.
Sorry i should have explained this.

Nick

**alanalana** · 24th October 2008 11:54

Hello nickk,

Hi alana

I meant he would struggle in making a claim due to his unemployment not the mis selling of the PPI icon

.
Sorry i should have explained this.

Nick

With you now

Thank you
aa

**davey_weir** · 25th October 2008 01:04

Originally Posted by nickk

Hi alana

I meant he would struggle in making a claim due to his unemployment not the mis selling of the PPI icon

.
Sorry i should have explained this.

Nick

Why?

**ultra** · 28th October 2008 16:10

Originally Posted by davey_weir

Why?

Hi davey

You would struggle because the insurance company would say you should have made your claim over 2 years ago. Allthough this should make your claim to reclaim your PPI icon

premiums back as they obviously did not tell you the benifts of having the Policy or the terms and conditions icon

.

Nickk

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