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Hi folks
not been around of late so could do with some update advice,
Im helping a uncle with many ppi claims against Barclays,loan and credit card charges,
He has been with them for too many years to mention,he took out a credit card pre-90s and after paying out for the ppi in all that time,became ill and never claimed on it,but carried on paying this and on top of this payed the ppi on all his loans too,long story short for now..
I sent off for the SAR and submitted a claim for mis-selling of the credit card ppi,...8 weeks ago.
DATE 27TH AUGUST 2009
Dear Sir/Madam,
Re: Barclay credit card Re: xxxx xxxx xxxx xxxx
REF:Payment Protection -complaint
The Payment Protection Plan Insurance was attached to the above Barclaycard account on the xx/xx/xxxxx and most likely before that date, I was not made aware that this was optional and I cannot remember ever agreeing to have it attached to the account,
After viewing the subject to access statements supplied to me on the 18th August 2009 , I believe that I was mis-sold a Payment Protection Plan for the reasons stated below, and wish you to investigate my complaint according to your complaint procedures.
At the time the ppi was applied to the Barclaycard credit card I have never received any policy documents, or a copy of the terms and conditions. Furthermore the policy exclusions were not explained to me either before or at the time the card was issued. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me.
I have no recollection of even applying for any payment protection policy and was unaware I had this until a review of my subject to access files .It is my belief that there is no evidence that I neither applied nor wanted the ppi and find it hard to believe that sales staff have not benefited from a commission on this.
Your advisor at the point of sale has obviously failed to apply the appropriate duty of care to me as a customer in this instance.
It has never been explained to me that the policy premium would be added to the monthly statements and that my debt would increase as the premium would attract monthly interest.
I have adequate income protection and life policies in place and have never had any need for the policy and after uncovering this added policy I am disappointed with Barclays for the neglect or incompetence in the added payments you have been receiving from me since opening and the running of this account
As I now know it was not mandatory, I am now of the opinion, after researching the mis selling of Payment Protection Insurance, that I am entitled to claim back the premiums paid plus the interest applied to those premiums.
If my compliant is upheld I will require a refund of all premiums paid on the policy, plus the additional interest charged to me because of the PPP. I will also require the statutory interest at 8% in view of the fact that I have been deprived of the use of this money. (Spreadsheet enclosed)
Please now investigate my complaint within the eight weeks allowed to you. Please also confirm in writing acknowledgement to this letter.
Failure to offer a satisfactory refund will result in a formal complaint to the Financial Ombudsman Service asking them for a full investigation and formal adjudication on my claim of mis-selling PPI.
last week herecieved a questionaire asking,
what was the reason of complaint?
how did you purchase PPI?
what imformation were you told?
occupation at time of employment?
were you recieving beifits?
dod you have existing medical cond?
did you have cover elsewhere?
all asking for documents to be enclosed.
my problem is why take so long to look into and should he have to fill in the form,and supplie the details they are requesting, looking at the timescales they are well behind and I want to send them a letter complaining of this and telling them to get a move on.
my whole point on this is...he took the card out and wasnt aware he had ppi on it until he asked for SAR. and has been paying the premiums for years but can only claim for 6 years,they have no proof he applied for ppi as the agreement was so long ago
what was the reason of complaint?
Read my letter
how did you purchase PPI?
Read my letter
what imformation were you told?
Refer to your records
occupation at time of employment?
Refer to your records
were you recieving beifits?
Refer to your records
dod you have existing medical cond
Refer to your records
did you have cover elsewhere?
Read my letter
all asking for documents to be enclosed.
Rollocks
has been paying the premiums for years but can only claim for 6 years,
I believe you can claim back further--to do with when you were reasonably made aware that it was wrongly charged,or similar wording.
thanks M
for your reply,
they are asking for a reply letter to be sent in or they will close the complaint.
cheeky ***** im trying to send a letter off with this in a stern manner,do you know of any non compliance of 8week letters for me to pinch and include te fos complaint procedure
many thanks for any advice ,i really need to resolve today
There are many letters in the CAG library which cover most eventualities otherwise it's a question of reading threads on the PPI forum--those by pompeyfaith and nomill are good.
Read from post 21 on my thread below to see what noomill060 explains
If the above does not produce what you seek then just work out your claim from as far back as possible [or recreate as the banks do!!] add on the monthly compound interest at the current cash rate APR charged to your uncle on his current statement then add on Sect.69 interest at 8%--or if you want to fight hard Sect.69 at the current cash rate!--the result could well be several thousands.
Send this off and wait for them to squirm.
Has uncle any late charges to reclaim on any of the card accounts?
Barclaycard Questionaire
,loan and credit card charges,
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