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Hi
Could someone please give me some advice. I put this question on the Barclaycard forum but was told I need to put it here.
I have had a Barclaycard since around 1984 - 1986.
I would like to know what happens with regard to PPI and charges that date back to when I took out the card. I only have statements going back to Oct 2003 and I was still paying PPI then even though I was made redundant in 1990 - so obviously did not know what it was for as I hadnt claimed. I have had no charges (until recently) applied to the card in the last six years but I did before this as with the PPI. What are the chances of me being able to claim this back?
Hi
Could someone please give me some advice. I put this question on the Barclaycard forum but was told I need to put it here.
I have had a Barclaycard since around 1984 - 1986. Not sure about the timeframe but I claimed back to 1996. I will depend on who was controlling barclaycard at the time. IMO Barclays would have been controlled by a financial authority at the time.
I would like to know what happens with regard to PPI and charges that date back to when I took out the card. I only have statements going back to Oct 2003 and I was still paying PPI then even though I was made redundant in 1990 - so obviously did not know what it was for as I hadnt claimed. I have had no charges (until recently) applied to the card in the last six years but I did before this as with the PPI. What are the chances of me being able to claim this back?
Your advice would be much appreciated.
Please check out the following links on PPI sales before 2005 when the FSA took control of the financial industry.
Can I reclaim on any PPI policy?
Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.
However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.
I have done a quick check and barclaycard did in fact come under the authority of the FSA on 14 Jan 2005 prior to that they may have been members of the FLA, GISC the Financial Ombudsman Service may be able to give you more accurate information....see this link...
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
PPI over 6 years
and charges that date back to when I took out the card. I only have statements going back to Oct 2003 and I was still paying PPI then even though I was made redundant in 1990 - so obviously did not know what it was for as I hadnt claimed. I have had no charges (until recently) applied to the card in the last six years but I did before this as with the PPI. What are the chances of me being able to claim this back?
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