Good afternoon,

I searched the board, but didn't find anything,

I wondered if this has happened to anyone else?

I changed my address with BC in 2011,

my statements, and all other mail from BC and Mercers etc are at my current address.

imagine my surprise when I received Two letters

one sent in Jan 2014 and

one in March 2014

which have found their way to me (Via a relative, who rents out to new tenants)

two letters advising me I may have been missold PPI.

Is this an underhand tactic for the bank to justify telling me, in the hope I would never receive ?

It give's me option of phoning, writing or filling in BC questionnaire online,

but I've been told by someone who recommended I joined here,

that it's best to use the FOS questionnaire?

Is it worth kicking up a stink about them using a previous address?

Or highlight it at some point along the way?

I have three accounts with BC would any reason they may

have just have one account listed in the above PPI letter,

when I seem to have PPI and charges on all three

and have been paying reduced rates for several years dealing with Mercers/Calder

and Moorgate all in house DCA's (I've been told) all at my current address!

My friend has sent me links to PPI section

this BC section and stickies to read up on to which I've gleaned lots of pointers.

I've been unable to face things for a long time,

but with the support of my friend I've been able to start sorting out my paperwork

and am determined to become debt free

thanks for reading and any direction you may offer

Jazz

Sorry if this is in BC thread and should be in PPI, I wasn't sure which to use.

only mercers are in house

if you are paying another DCA

then i'd get checking out WHY.

are these debts on your credit file.

as for the PPI letters

well often the left leg doesn't know what the right does

prob not on purpose, but they should make an attempt to gain correct details mind!!

dx

Thank you for reply, will check these things you mentioned.

One original Morgan Stanley card to BC Mercers and Calder involved

One egg card to BC Mercers involved

Ahh last Egg loan bought by Britannica-moorgate so my mistake.

I've only recently been helped to figure out what's what.

So it probably clarifies a bit more

I'll check credit file as well when I see my friend tomorrow and report back.

Thanks for direction.

I have had something akin to that.

April I did a Sar request with BC

They sent all statements to my current address.

I did a complaint after that which they closed due to not recognising my address.

Later they responded to my CCA request (via Link) by sending responce to my OLD address

Department that handled SAR and CCA were the same

They got a ****tagram reminding them of their obligations to keep my data uptodate and accurate and that if they send anything again to my old address that I could not be guranteed to recieve it and also that they would incur more complaints to the ICO

Hi Jazcaff and welcome to CAG

You could complain about BC's actions if you want but I think your time will be better spent getting your money back from BC. Use the FOS complaint form to get your PPI claim (s) started.

You should be pro-active in reclaiming PPI on all the a/c's that had it. Don't wait for BC to deal with this as they aren't likely to be acting in your best interests.

In the PPI forum, there are spreadsheets you can use to see what you might expect to get back in PPI and interest.

Here on CAG, you should find all you need to take on the banks and win. And there are folk around who will help you when you get stuck.

Thank you for responses and input so far everyone.

I am reading as much as I can already and have the FOS questionnaire downloaded in readiness.

It's looking like a SAR is the first place to start I have a lot of paperwork, but not complete history

I have charges as well as PPI seems I will be making two separate claims?

I'll be back with more questions no doubt but I'm wading in reading at the moment trying to grasp the correct route to follow.

Thanks Jazz x

yes 2 claims

dx

Hi Jazzcaff,

The SAR will get you data going back 6 years, sometimes a bit further.

Do you know when you may have suffered penalty charges, ie just during the last six years, or further back.

Penalty charges can be reclaimed in full plus compound interest if you're prepared to take court action..

PPI should be reclaimed with the bank and then the FOS if no joy.

Just to update, I still await SAR from BC - The 40 + 2 days is up next week.

Meanwhile all four creditors have accepted reduced repayments, as I was struggling and missing payments and agreed no more phone calls, contact by letter only. Standing orders set up I feel more in control, and more prepared to face things. Big relief for me thanks to my friend who has been very proactive.

Meanwhile HSBC have sent a huge box of paperwork much of it back further than 6yrs so will start new threads in HSBC Forum when we start unravelling the contents.

Jazz x

For reference BC sending new paperwork to an OLD address

My complaint was lodged with the ICO

ICO upheld my complaint and have asked BC to investigate

BC have written to me to say that they have been contacted by ICO and are investigating.

I think you should lodge your complaint with ICO. The more people that complain when they feck up like this the more pressure it puts on the ICO to act

For reference BC sending new paperwork to an OLD address

 

My complaint was lodged with the ICO

ICO upheld my complaint and have asked BC to investigate

BC have written to me to say that they have been contacted by ICO and are investigating.

 

I think you should lodge your complaint with ICO. The more people that complain when they feck up like this the more pressure it puts on the ICO to act

Sabreshee thank you for your input. I will add it to the ever growing TODO list. As you say it's worth highlighting and raising awareness of these errors.

jazz x

Just got a result from BC in sending stuff to my old address

http://www.consumeractiongroup.co.uk/forum/showthread.php?423713-Barclaycard-Link

Clearly a lesson there. If a company breaches the DPA complain