Thread: MandyLous Barclaycard PPI Help please!

Hello ML and welcome to the PPI forum,

Hello to all on this thread! I am feeling a bit like a thread tart as I have been on debt collection Agencies, the kind folks on there helped me control the DCA's, Barclaycard- the wonderful chaps on there helped me to reclaim charges and pointed me in your direction for help with PPI!

I have already received Subject access request from Barclaycard that shows monthly payment protection and also intermitantly something called Barclaycard Card protection that ranges from £16 to £35. This is still PPI and widely mis-sold.

Before Xmas I requested my CCA but to date have received nothing. What was the date of your letter and did you send the statutory fee of £1.00 as required by the Consumer Credit Atc 1974? The card was taken out in August 2004 and is still being paid. They have reduced balance by the reclaimed charges and reduced credit limit by half, not a real problem as I just want rid!
Do I now persue CCA? If you have paid the fee and they fail to respond within 14 days from the time they get your letter you can put the account into dispute or alternatively lodge a very serious complaint with the Information Commissioners Office pointing out the failure of Barclays to abide by legal statutes of the land namely the CCA 1974. I don't think I need to put the account in dispute do I? Also should I now request that they cancel my PPI payments? The advice I received from the fos was to cancel any existing PPI if I had not already done so. This was after my bank had offered to settle. Cancellation of PPI will result in a refund which will be taken into account when they refund you payments with the interest added plus 8% statutory interest from when the loan started to the date of your acceptance.
I am a total PPI virgin so any help will be appreciated.
Thanking you in advance.
Kind regard ML.

Read a few more threads to gather information. My fight has taken over 12 months and still ongoing on the last of three complaints check out my thread and use anything in there cobbled to your own needs to assist you.

aa

hello ML,

Hi Alanalana!
Thank you for replying, have had a few poopy shifts at work so have not been able to indulge in my usual CAG fix much lately!
Yes I sent the £1 fee and the request was dated 2/12/08 so they are way overdue. This give you the opportunity to submit a Very Serious Complaint to the Information Commissioners Office as they have failed to comply with a legal request for information under the Consumer Credit Act 1974.I do want to keep up with the payments can I still do that if I put the account in dispute? If you intend to carry on paying then there is no need to put the account into dispute. If you are also considering cancelling the PPI then again why cease the payments as this will automatically happen when you cancel. However when you notify them that you wish to cancel it is adviseable to send your letter at least recorded if not special next day delivery and insist on a written acknowledgement.
Having read around the thread I think I will send a letter requesting to cancel PPI and also let them know that they have not fulfilled their obligations under the CCA 1974. While you are telling them they have failed to comply with a legal statute also mention that as a result you intend to submit a Very Serious formal complaint to the Information Commissioners Office. Do you think that will be ok?
Kind regards ML

They are messing you around as most banks and organisations facing PPI reclaiming do. They try and make life difficult do the same back to them.

Every complaint to the Financial Ombudsman Service for example on poor customer assistance etc will cost them £450.00

I have had three with the fos the more complaints the merrier and the sooner they will get the message to settle. It is the Ombudsman that get the work but they are pretty good.

Hope this helps you just post if you need more assistance someone will pick up and help

aa