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Any help will be appreciated on this!
I am reclaiming PPI on a barclayloan took in 2002.Loan has been paid off in 2007 but I am reclaim the PPI on the grounds of serious mis-selling of the product. Barclays wrote to say that my complaint falls outside of their scope for investigation because it is outside of the last six years, therefore claim is considered time barred. I am sure from a link posted by Alanalana I read that data should be kept 5 years from the date of the last settlement, unless I wrong. Anyway I know there are more knowledgeable people around here to help me with my next steps.
Surely the 6 years for SB should start from the date of your last payment ie when you paid it off in 2007.
After all if you were paying a debt the SB doesn't start from the time you took on the debt but from the last date you made a payment or made some sort of acknowledgement about it.
This sounds like bull to me so pressure them further.
Thank you PT and Livingdeadguy! That's what I thought. As I have most of the paperwork I am going to send them a second letter, or can I directly go to the OB/ c court as Barclays had already got 8 weeks since I sent them my first letter. Any templates I could use? Do I ask for the statutory interest or should I go for the compound?
I have 5 claims against Barclays/Barclaycard for mis sold PPI going back to first loan in 2003 for OH. I claimed compound + 8% on each and not had final response from Barclays on 4 of them and 1 offered payments + 8% statuatory interest so refused offer.
I think it is about time to contact the fos regarding this matter. I will also go for the compoud + 8% interest. As I am not good at spreadsheet will appreciate if any of the expert could help me with the following figures so I know what to reclaim:
Loan amount= £15,000
Premium = £2868.01
Charge for credit = £678.59
Total payable = £3546.60
Monthly repayment = £59.11
Number of repayment = 60
APR was 8.9%
Any help will be appreciated on this!
I am reclaiming PPI on a barclayloan took in 2002.Loan has been paid off in 2007 but I am reclaim the PPI on the grounds of serious mis-selling of the product. Barclays wrote to say that my complaint falls outside of their scope for investigation because it is outside of the last six years, therefore claim is considered time barred. I am sure from a link posted by Alanalana I read that data should be kept 5 years from the date of the last settlement, unless I wrong. Anyway I know there are more knowledgeable people around here to help me with my next steps.
Hello Aman23 it is actually six years from the last entry on your account so if the account was paid off in 2007 that should equate to the records being retained until 2013. I am sure the fos and the ICO would be interested to hear from you and what Barclays are telling you.
Put in a claim and if Barclays fob you off again submit a complaint to the Information Commissioners Office (the deal with the lack of data supplied or the FOS who will deal with a claim for mis-selling of PPI. Please read the stickies at the top of the forum as you will need a valid reason to claim mis-selling.
lots in the second link but you will have to open links to find relevant information.
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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.
Aman23 Vs Barclays
on a barclayloan took in 2002.Loan has been paid off in 2007 but I am reclaim the PPI on the grounds of serious mis-selling of the product. Barclays
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Originally Posted by livingdeadguy
