Anyone please??

Hi everyone, I am hoping that I have got a case against Barclays re PPI, because they have had thousands from me over the past five years which has left me in a right mess with my finances. The whole sorry story started back in December 2003 when I went into a Barclays branch to pay my monthly Barclaycard bill. I was only paying the minimum payment and the cashier, noticing the o/s balance was £1500, persuaded me to make an appointment with one of their advisers to chat about my finances and see if they could offer me a better deal. Unwittingly I agreed, I was only 20 at the time and thought the bank genuinely had my best interests at heart - more fool me. So I attended the appointment and discussed my various debts with an adviser. She suggested that I take a loan out for £5700 to consolidate all my existing debt (credit card/store card/loan with M&S) and also a bit extra as Xmas was coming - I though great stuff, 3 years doesn't sound like a long time and I could easily afford the monthly repayments as I had a good job plus I was still living at home so no bills to worry about. We discussed how I would pay back the loan, say if I became sick or lost my job. I advised that my company paid genorous sick pay and that if I lost my job I'd find another one! Unfortunately, the scare tactics were brought out - lots of young people find themselves in difficult situations if the unexpected happens which can land you in a lot of trouble financially, make you bankrupt, affect your future etc, etc... In light of this, I thought it best to take out the insurance, at the time it all sounded like such a good deal and the adviser made me feel that she was helping me out, so I signed my fate. 3 years later, I feel a fool and very angry at how they took advantage of me, personally I feel because of my age. They persuaded me to take a loan out I didn't really need with an interest rate of 17.9% - I didn't have a clue about interest rates back then but if I'd have known there was cheaper out there I would have told them to shove it! With regard to the PPI - didn't have a clue about this either, I was just too naive to question it and was persuaded it was for the best. Basically, they saw me coming. To make matters worse, 3 months after taking out the loan I fell pregnant... time to grow up - find a house, start paying bills, financially supporting someone else. All the debts I had consolidated suddenly ran up again and I was in an even worse mess then before! Even worse, my company announced redundancies. They were closing my dept down and were relocating whilst I was on maternity leave. I needed to get paid my maternity leave so I agreed to return to work at the new location on a trial basis as it was fairly close to where I had moved, the deal was that if it didn't work out I could still take my redundancy. Anyway I returned to work at the new location, but unfortunately it didn't work out - probs with working hours and travelling so they paid me my redundancy. At this point my baby was 5 months old and I thought it might be nice to stay at home and look after her for a while, after all I had my redundancy money! The only prob was paying back the loan but I thought to myself PPI covers redundancy I'll see what I can do. I read the insurance papers and it says it will pay out for redundancy unless it is voluntary. I wasn't sure if mine was classed as voluntary so I decided to call the legal experts that were included in the Additions package on my Barclays current account. The expert advised my redundancy was classed as voluntary and they wouldn't pay out - I took his word for it, forgetting they all work for the same company! So I found another job, 3 years later I've paid the loan in full and then stumbled across this site where people are claiming mis-sold PPI back - bonus! Sorry to ramble on, but wanted you to have the full story before offering any opinions. I know it's a long shot but it's worth a try - every little helps! To summarise, I am wanting to claim back my PPI because I believe I was pressurised to take it out with the scare tactics. The bank know it is unlikely to pay out and it proved totally useless to me with my redundancy. Also, I was a healthy 20 year old with a good sick record and the capability of finding a new job if the unexpected happened - which it did. Any advice would be much appreciated. Thanks, Loan details : Term of loan = 36 months (taken out Dec 2003, repaid in full Jan 2007) Cash Amount = £5700.00 Interest @ 17.9% = £1586.04 PPI = £941.49 Interest @ 17.9% = £261.99 Total repaid = £8489.52!

I briefly watched a report on the news recently about debtors not owing money to lenders due to flawed credit agreements, and that if the lenders took the debtors to court the credit agreement would not be enforceable. This got me thinking about my Barclaycard as I can't ever remember signing an agreement for the card, and if this is the case (and I'm hoping it is) then I may not have to pay back the £1600 that I owe them. The reason I don't think that I signed an agreement (we are going back 5 years now) is that I remember receiving a letter in the post advising my application had been accepted and that I needed to sign and send the enclosed forms back to receive my card. At this point, I decided I did not want the card and tore the paperwork up. However, a few weeks later (just before Xmas) I received a credit card in the post even though I didn't send the forms back and as I was skint I decided to keep it and use it! :idea: Barclaycard should have my signed agreement on file, shouldn't they?? I am planning on writing a letter requesting them to send me a copy of this and have been looking at section 78 of the Consumer Credit Act 1974 stating that they have to send me this; :idea: I think that I'm looking at the right thing here, but it doesn't state what timescale they have to respond to me by. CAN ANYONE HELP? Thanks

Hi, Paid refferal fees are unauthorised overdraft charges. I've had £1025.00 worth of 'paid refferal fees' over the past six years and these have all been charged to my account when I've gone over my agreed overdraft limit. Good luck with your claim.

Thanks Milly! Action Taken So far......... 09/02/07 - Preliminary Approach for Repayment Letter I keep all my statements so didn't have to request them from the bank. Sent the letter & schedule of charges by Courier so they couldn't deny receiving it! Address: Freepost RLTA-CSUE-TCHC, Head Office Customer Relations, London, E14 5HP. It was delivered on 12/02/07. 17/02/07 - Response from Barclays A Mr Neil A Henderson responded with an obvious standard letter and leaflet advising they would get back to me within 8 WEEKS! The following Letter Before Action is due to be sent by Courier on Monday 26/02/07 - I won't be using the standard LBA template, I found another one on someone else's thread (sorry forgot your name!) and adapted it. Let me know what you all think, cos it's not been sent yet! Again, this will go to the Head Office address FAO Neil with a copy of my schedule. Anyway, I have done my research on this site for about a month now, so I feel pretty confident in taking the big boys on!

My Story I have been ripped off by Barclays for long enough now - thanks to this website I can now begin reclaiming money I thought was long gone. Over the past six years Barclays have charged me £1025.00 in paid referral fees. Since looking back through my statements I have noticed the charge has steadily increased from £20.00 to £30.00 - how can they justify this? One more thing - if these charges are justifiable, why is it that when I telephoned Barclays and complained about a £30.00 charge for going £6.50 over my limit they happily refunded the money there and then??