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.

£19.99 + £1.50 (P&P)

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  1. #1
    Basic Account Holder citybloke Novitiate

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    Question PPI on a Barclays Overdraft

    Hi All !

    Quick question.....It's been years since my bank gave me an overdrafticon facility and I honestly don't recall having to fill out an application form for this.

    It appears I have been paying a monthly overdraft protection policy insurance fee each month, which is a different amount each month, depending on how much I am overdrawn.

    I don't recall signing anything for the overdraft facility or the protection - Is this something I would have had to sign an agreement for, to make it legally binding ?

    If I would have had to sign an agreement for the overdraft PPIicon, and the bank can't find it, then I assume I would have very good grounds to claim it all back ?

    Cheers

    Citybloke

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  2. #2
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    Default Re: PPI on a Overdraft

    Hi Citybloke,
    I havnt come across PPIicon on Overdrafts before, But nothing surprises me these days. What Bank is this with ?,

    I would write to them and ask for a copy of the Agreement that relates to the overdrafticon and the PPI on the Overdraft.

    Ian

    Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
    Halifax settled in Full.. 22/09/06
    TSB First Claim SETTLED IN FULL 19/10/06
    Second Claim to Lloyds TSB - Settled in Full
    Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
    PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.



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  3. #3
    Basic Account Holder citybloke Novitiate

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    Exclamation Re: PPI on a Overdraft

    Hi Ian

    It's with Barclaysicon....."overdrafticon protection insurance"

    I definitely don't recall signing anything.


  4. #4
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    Default Re: PPI on a Overdraft

    I cant see any mention of this policy on their Website under Overdrafts, Considerring what was revealed about Barklays in the recent Whistleblower program It does not surprise me that they have added this on.

    I would contact them and ask for a copy of the Agreement, To me it looks a bit suspicious to say the least.

    Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
    Halifax settled in Full.. 22/09/06
    TSB First Claim SETTLED IN FULL 19/10/06
    Second Claim to Lloyds TSB - Settled in Full
    Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
    PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.



    If my post has helped you, please click the scales! :grin:

    Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
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  5. #5
    Basic Account Holder citybloke Novitiate

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    Angry Re: PPI on a Overdraft

    Hi
    The link below is to the Baclays site which covers this :-

    overdraft protection : Barclays Personal Banking

    I really don't recall signing up to this at all.


  6. #6
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    Default Re: PPI on a Overdraft

    If they stick to their Terms and Conditions it should be easy to cancel this and get a refund..


    • What happens if I want to cancel this cover early?
    If, after taking out and reading the policy, you do not want to continue with the insurance please return your Policy Document or write to the following address: Barclaysicon Insurance Dublin, PO Box 586, Shannon, Co. Clare, Ireland. If you do this within 30 days of receiving your Policy Document, we will cancel your policy and give you your money back.
    You may terminate your policy after 30 days by giving 30 days' notice in writing.


    • How do I find out more or make a complaint if I am dissatisfied?
    If you have any questions/complaints relating to your cover, please telephone us on 0500 500 700*. Alternatively write to us at the following address: The Customer Service Team, Barclays Insurance (Dublin) Limited, PO Box 586, Shannon, Co. Clare, Ireland.
    If you cannot settle your complaint with us, you may refer it to the Financial Ombudsmanicon Service, Customer Contact Division, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800.

    Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
    Halifax settled in Full.. 22/09/06
    TSB First Claim SETTLED IN FULL 19/10/06
    Second Claim to Lloyds TSB - Settled in Full
    Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
    PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.



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  7. #7
    Basic Account Holder citybloke Novitiate

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    Default Re: PPI on a Overdraft

    Thank for the reply Ian.

    I wrote to them about 2 weeks ago asking for a copy of the agreement as I don't recall taking this option and they have written to me saying they need a few more days to find the agreement....I don't think they will find it because I don't think I ever signed anything.

    Next week should be interesting !


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    Default Re: PPI on a Overdraft

    You could be right, Next week could be Interesting, They will be looking in all the Cupboards , Filing Cabinets and probably in everyones desk Drawer to try and find your agreement..lol

    Ian

    Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
    Halifax settled in Full.. 22/09/06
    TSB First Claim SETTLED IN FULL 19/10/06
    Second Claim to Lloyds TSB - Settled in Full
    Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
    PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.



    If my post has helped you, please click the scales! :grin:

    Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
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  9. #9
    Basic Account Holder citybloke Novitiate

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    Default Re: PPI on a Overdraft

    3 weeks have passed since my unofficial request for Barclaysicon to prove I signed up for overdraft PPIicon and still they cannot find it.

    Do you think I should give them a cut off date, where I will then submit a claim for a full refund of all chrges taken plus contractural interesticon ?

    If I prove they have taken this money without my signing any agreement for it, should I report them to any authorities ? as this must amount to a fraudulent act ??

    Thanks

    Citybloke


  10. #10
    Basic Account Holder citybloke Novitiate

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    Default Re: PPI on a Overdraft

    Any takers ?

    Thanks in advance


  11. #11
    Basic Account Holder citybloke Novitiate

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    Angry ***UPDATED*** PPI on a Overdraft

    Hi
    Had an email reply from Barclaysicon regarding whether I signed for PPI on my business account overdrafticon :-

    "I have investigated the matter of the overdraft protection and understand
    that the agreement to this insurance would have been verbal, that there was
    no actual signed agreement.

    I hope this answers your query."

    So where do I stand ?....this is for my business account (i'm also in the same situation with my personal account)

    I haven't replied to Barclays email as yet.....wanted to see what you guys thought.

    There is no way I would have opted for this PPI, so surely they can't say I verbally agreed to it !

    Thanks

    Citybloke

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  12. #12
    Basic Account Holder citybloke Novitiate

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    Default Re: PPI on a Overdraft

    **bump**


  13. #13
    Basic Account Holder citybloke Novitiate

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    Question Re: PPI on a Overdraft

    Hi All

    Anyone got an opinion on the Barclaysicon response to me in my post above ?

    I'd like to reply to their email, but just wanted to see what people thought of their response.

    Thanks

    Citybloke


  14. #14
    Basic Account Holder citybloke Novitiate

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    Default Urgent advice needed

    **Bump**


  15. #15
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    Default Re: PPI on a Overdraft

    Quote Originally Posted by citybloke View Post
    Hi All

    Anyone got an opinion on the Barclaysicon response to me in my post above ?

    I'd like to reply to their email, but just wanted to see what people thought of their response.

    Thanks

    Citybloke
    Hello Citybloke,

    Bet you feel like nobody is out there.:-?

    I,ve been desperate for advice or information and nobody answered my post. :-| Made me feel sad so I kept on bumping and eventually someone answered.

    Well I am no expert, but I truely would not believe a word they tell you

    They will never admit to it, because if they did, they would have to give you your money back

    If you pursue it as I would, they will probably give you a goodwill gestureicon, denying it again, but persist and get it all

    I have been successful with one very large company, who denied and denied and denied and refunded the whole PPIicon plus interesticon and 8%interest on top. It came to 7,600 and they still denied it.

    It looks like Barclays added it on, taken your money, now you have found out and they tell you that you said it was ok.

    I don't think so.

    I would go after them for the whole amount they have taken plus the interest.

    Show them that you mean what you say

    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
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  16. #16
    Basic Account Holder citybloke Novitiate

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    Wink Re: PPI on a Overdraft

    Hi

    Thanks for the reply!

    I am going to go for the whole lot plus interesticon !.....how dare they just take it and then say "it would have been a verbal agreement"

    Bunch of jokers !!

    By taking the money without me agreeing to the PPIicon....is this an act of fraud by Barclaysicon ?

    Cheers

    Citybloke


  17. #17
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    Default Re: PPI on a Overdraft

    mmm A Verbal Agreement My %$& .. That has to be one of the best replies so far..lol. Glad to say a Verbal agreement would not hold up much if at all in any court.

    It is unbelievable what these outfits will try to get you to go away and leave them alone..lol ..

    Re the Fraud question, For the avoidance of doubt claims for mis-sellingicon of PPI can not be founded on the Fraud Act 2006. This Act is concerned with criminal liability and is therefore only applicable in the criminal courts.

    Go get em Citybloke

    Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
    Halifax settled in Full.. 22/09/06
    TSB First Claim SETTLED IN FULL 19/10/06
    Second Claim to Lloyds TSB - Settled in Full
    Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
    PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.



    If my post has helped you, please click the scales! :grin:

    Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
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  18. #18
    Basic Account Holder citybloke Novitiate

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    Default Re: PPI on a Overdraft

    Cheers reidnet

    I will be asking them for proof of the conversation tomorrow !

    So is it a criminal offence to do what they have done ?

    Is there a templateicon letter to send Barclaysicon, once they tell me "we don't have details of the verbal agreement"

    Bearing in mind this is on a business account, what authority could I make a complaint to about this ?

    I never asked for the PPIicon....they have just taken the money each month!

    I will also be claiming contractural interesticon also !!

    Thanks to all for the advice on here.

    Citybloke


  19. #19
    Basic Account Holder citybloke Novitiate

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    Default Re: PPI on a Overdraft

    OK....here we go !

    Asked Barclaysicon by email to provide me with evidence of the conversation where they say I agreed to overdrafticon PPIicon.....their reply is below :-

    "Mr xxxxxxxxx

    Unfortunately, I cannot provide you with any information as to where/when
    such a conversation took place, I can only provide you with my understanding
    of the situation, as detailed in my previous mail.

    Sorry that I cannot be of any further assistance on this point."

    So they have just taken the PPI each month without my consent !

    This is disgusting behaviour and is no less than theft !!

    Any suggestions on a suitable reply ??....my blood is boiling now and not thinking straight....so will have to leave it for today before I reply, so I can calm down!!

    Cheers

    Citybloke


  20. #20
    Basic Account Holder bally35 Novitiate

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    Default Re: PPI on a Overdraft

    How about RESPONDINg like this

    Dear Mr Barclay,
    Further to your response that you are unable to forward a signed agreement relating to overdrafticon protection insurance
    you will understand my difficulty in recollecting whether such a conversation ever took place.
    It is incumbant on the bank to provide me with this signed agreement to assert that I had indeed agreed to this policy.
    My understanding of the situation is that no such verbal agreement ever took place, indeed I fail to understand how you were able to set up a policy with your insurers without the appropriate paperwork.
    I now request that you refund all payments to the above policy within the next seven days.
    I know that you will give this very serious error your immediate attention and as such look forward to hearing from you at your earliest convenience



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