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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

D&G

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  1. D&G
    Yes I will have to ring to see if there’s anymore data.
  2. D&G
    Sorry but what do you want me to answer?
  3. D&G
    Sorry but I'm really confused now. Do you mean I shouldn't be starting a new thread? I also don't know what you mean about answering post 8 as that's what I've posted.
  4. D&G
    Hi there. Sorry for this but I posted 'Barclaycard not helpful with CCA or SAR requests' on Post New Thread but it came up with all my other previous messages. I then tried to do it again but the same thing happened. Do you know why this is the case? I'm scared to try it again. Many thanks.
  5. D&G
    A few months ago my husband found out from Barclaycard that he had PPI on his Mastercard and Visa. He had it on his Mastercard Barclaycard from 01/09/97 until 23/12/2004 and on his Mastercard Visa from 01/09/97 until 25/08/15. He first made a CCA Request hoping it would show whether he had ticked boxes to say he wanted PPI and give employment details as he was self-employed at the time he applied. He received a letter but for one card it said they were unable to provide a copy of the credit agreement and for the other they sent a ‘reconstituted copy’ of the terms and conditions. Next, thanks to the advice of the some helpful forum members on here, he sent a SAR request about three weeks’ ago but all he got back was two envelopes containing the same Barclaycard terms and conditions booklets. There were no letters of explanation at all! We are both quite disgusted by their behaviour. They haven’t supplied us with anything we’ve requested. We really don’t know what to do now. Is there anyone we could complain to? Many thanks in advance.
  6. D&G
    A few months ago my husband found out from Barclaycard that he had PPI on his Mastercard and Visa. He had it on his Mastercard Barclaycard from 01/09/97 until 23/12/2004 and on his Mastercard Visa from 01/09/97 until 25/08/15. He first made a CCA request hoping it would show whether he had ticked boxes to say he wanted PPI and give employment details as he was self-employed at the time he applied. He received a letter but for one card it said they were unable to provide a copy of the credit agreement and for the other they sent a ‘reconstituted copy’ of the terms and conditions. Next, thanks to the advice of the some helpful forum members on here, he sent a SAR request about three weeks’ ago but all he got back was two envelopes containing the same Barclaycard terms and conditions booklets. There were no letters of explanation at all! We are both quite disgusted by their behaviour. They haven’t supplied us with anything we’ve requested. We really don’t know what to do now. Is there anyone we could complain to? Many thanks in advance.
  7. D&G
    A few months ago my husband found out from Barclaycard that he had PPI on his Mastercard and Visa. He had it on his Mastercard Barclaycard from 01/09/97 until 23/12/2004 and on his Mastercard Visa from 01/09/97 until 25/08/15. He then made a CCA request hoping it would show whether he had ticked boxes to say he wanted PPI and give employment details as he was self-employed at the time he applied. Today he received a letter but the information given about each card doesn’t help with what he wants to know. For one card it just says they are unable to provide a copy of the credit agreement and for the other they’ve sent a ‘reconstituted copy’ of the terms and conditions. How does my hubby go about getting the information he wants to know? He feels he may have grounds for a claim on the basis that he was self-employed at the time of getting PPI and it may not have covered him had he become unemployed. Many thanks in advance if anyone can help with this.
  8. D&G
    Many thanks for all your replies so far dx100uk. Will one SAR request cover both the accounts?
  9. D&G
    Hi there. Just on the off chance my husband sent a request to Barclays to see if he had PPI on any of his cards. It turns out he had it on his Barclaycard Mastercard from Sept '97 until Dec 2004 and on his Barclaycard Visa from Sept '97 until Aug 2015. What would be our next step forward please? Thank you.
  10. D&G
    Hi there. Where do I find the thread now Andy? Sorry but I'm new to all this.
  11. D&G
    Many thanks for your help. Much appreciated.
  12. D&G
    Many thanks dx100uk. Would a SAR give me the terms and conditions of the MPPI?
  13. D&G
    Hi there. I'm new to this site and wondered if someone a lot cleverer than myself could help out. We have recently been told by West Bromwich Building Society that we could have been mis-sold PPI . I have looked at all the paperwork and we had PPI with them for 2 years between 2000 (when we took the mortgage out) and 2002. I see for the firstyear they paid it for us and the second year we carried it on of our own free will. I do wonder if we'd made a claim during that year whether it would've paid out though as my husband was self-employed at the time. I'd really like a copy of the terms and conditions when I rang the mortgage company the lady didn't answer my question and said all I needed to do was make a complaint and they would look into it for me. I don't know as I'm really happy with that though as they could make up any story about the terms and conditions at the time and I'd be none the wiser. Am I being cynical here or not? Is there any way I can get a copy of them? The other thing I stumbled across when looking through the paperwork was that we had building insurance with them for the first seven years of our mortgage. On the conditions of offer letter it states we had to have the policy with them for 5 years and then when we changed to another fixed-rate mortgage in 2005, we had to have it again for a further two. Should they have made it compulsory to take out with them? When I spoke with the lady she said with regards to paying the insurance for the first 5 years we would have to take the issue up with the broker who recommended the mortgage to us and for the other two years it had been our own free will to choose that fixed-rate package with those conditions attached. Does anyone know if that seems right or not? Many thanks in advance.

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