Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

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BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

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Thread: Barclaycard

  1. 14th December 2009 10:30 #1
    walkinthepark walkinthepark is offline
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    Default Barclaycard

    I am in debt with a Barclaycard credit card. I am employed and I am thinking of trying to claim my PPIicon back so I can pay a bit of the debt off. From what I can remember I felt obliged to have the insurance. They didn't ask me if I had any other insurance to cover me. Can someone tell me how to go about this from scratch or point me in the right direction. What are my chances? Also, I obviously cannot use my card now as I am in dispute with Barclaycard as I am now sending them s/o payments which is lower then they would like. If the PPI is cancelled where does that leave me legally etc? Thanks for your time.

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  2. 14th December 2009 12:39 #2
    livingdeadguy livingdeadguy is offline
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    Default Re: Barclaycard

    As with most companies if you believe you were mis sold PPIicon the you will have grounds for a claim.
    Barclaycard however is a tough nut to crack and they don't like to play by the rules.
    Legally you can cancel your ppi but this will mean that you don't have any cover shoulg you become ill or uneployed for any reason.
    But cover can be arranged elsewhere should you actually need it.

    IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

    NATWEST PPI SUCCESS £490 25/08/09

    NATWEST PPI 2nd CLAIM WON £1135 02/10/09

    A & L PPI £395 WON

    CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

    BARCLAYCARD STILL PENDING

    LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09
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  3. 14th December 2009 14:35 #3
    walkinthepark walkinthepark is offline
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    Default Re: Barclaycard

    Thanks for this. One other thing - is there a credit card company who is easier to deal with because I might try the others as well.

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  4. 14th December 2009 21:51 #4
    alanalana alanalana is offline
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    Default Re: Barclaycard

    Why would you require another credit card ??

    aa

    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

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    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.
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  5. 14th December 2009 23:08 #5
    walkinthepark walkinthepark is offline
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    Default Re: Barclaycard

    I didn't mean I'm going to get another credit card I meant I might try getting the PPIicon back on my other cards. I had heard Barclaycard was hard going so wondered if my other credit cards would be easier to deal with as I'm having a difficult time with them.

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  6. 15th December 2009 12:54 #6
    livingdeadguy livingdeadguy is offline
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    Default Re: Barclaycard

    make a list for us to give opinions on etc and have a look at other threads on here for past success's with credit card companies

    IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

    NATWEST PPI SUCCESS £490 25/08/09

    NATWEST PPI 2nd CLAIM WON £1135 02/10/09

    A & L PPI £395 WON

    CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

    BARCLAYCARD STILL PENDING

    LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09
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  7. 15th December 2009 18:10 #7
    walkinthepark walkinthepark is offline
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    Default Re: Barclaycard

    Capital Oneicon MBNAicon Marbles

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE