I am just in the middle of drafting DPA requests to Barclays and Capital One regarding penalty charges. Reading through the forums, I stumbled on PPI, and it dawned on me that I may have been mis-sold this policy as well.
With Barclay’s I took out a £15,000 personal loan in 2003. At the time I don’t remember a separate discussion about PPI or signing any declaration. The monthly repayments of £300, however, include the insurance. For the life of me, I cannot find the original papers that I signed from the bank but I have found the policy documents sent by Barclay’s (Dublin) to prove that I did take out insurance.
Why? I hear you ask. Well I don’t know. I work for a gov. dept. where iam covered for any eventualities, anyway.
As regards Capital One, the premium appears on my monthly bill. As it stands I found the envelope that the card came with back in 2003, and the application for PPI was not completed. So why am I being charged a monthly insurance premium?
Do I bundle the PPI claim and the penalty charges claim together or should I make them separate?
Your wealth of advice would be appreciated.