Barclaycard ppi

**steve76** · 2nd September 2009 18:15

hi folks

after a lengthy drawn our process barclaycard finally offered me £1255.98 to put me back into position i would have been !!

but

they say its their policy to take it off any balance , saying that i must have a balance of ZERO before i reveive any cash directly

ive made several calls to them asking for a cheque be sent to myself and written asking the same but to no avail

today i rung asking them to write to me telling me this and the reasons why so i can forward to the financial Ombudsman icon

am i within my rights to be entitled to this money or can they just do whatever they like ???

**landy_alert** · 2nd September 2009 19:53

Hi Steve

Well done on getting this far at least!

As to what they can/will/should do with the refund - maybe it does vary from one company to another...........

Mr L has an ongoing PPI icon

dispute with MBNA icon

. Their final response was to deny the mis-selling so off the complaint went to the fos icon

.

This account (a credit card) is in default with arrears and has been since we started to reclaim charges and PPI. The FOS informed us that because the account was in the hands of a DCA icon

they may insist on having the refund paid into the account and that it depended which DCA it was. We were prepared for this result and were actually happy to accept this as at least it reduced the balance.

However, MBNA have chosen to send the refund as a cheque to Mr L (albeit not as much as it should have been, which we are querying) despite the arrears on the account - so it can happen this way.

If you have no arrears on your account you should definitely insist on the payment coming to you as a cheque and even if you have arrears it just shows they will sometimes pay directly to you.

Regards,

Landy x

**dj1971** · 2nd September 2009 21:59

Hi Steve,

They can only use the right to offset if there are arrears on your account, otherwise all monies must be refunded to you by whatever means you choose. Do you have arrears on this a/c?

I submitted 2 claims to barclaycard in April 09 for mis sold PPI icon

on 2 seperate cards on behalf of OH. On one of them they offered to put be back in the position she would had been had the insurance not been mis sold, but only offered premiums paid + a flat 8% on top. Turned down the offer and the complaint is now with fos icon

.

Well done on having got this far and do not give up. Claim what is rightfully yours.

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