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d1g1d0g

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  1. DJ Many thanks for that advice. Have had a quick look and it appears I have statements going back to 1999 - not sure if there are any more lurking about but I suspect not. I will start to compile a spreadsheet today. D1g
  2. Hello I have had my Barclaycard since approximately 1994 and as far as I can recall, have always paid the balance in full each month on the due date. During that time I have had Payment Protection Insurance automatically debited from my account each month. I have been absent from work on sick leave since May 2010 and recently reduced to half pay. As finances were running tight I decided to see if I could make a claim through my Barclaycard PPI, something I have never had to do before. I phoned Barclaycard who in turn referred me to their Insurance department. I explained my predicament ie off sick, about to go on to half pay, finding finances a bit difficult and though I paid my balance in full each month, would I be able to make a claim? I was told paying the balance each month was immaterial, that I would be entitled to claim and was subsequently directed to the relevant form on their website. This included a medical statement from my GP which entailed a £30 fee that I paid and once the documents were completed, I dispatched them and awaited an outcome. The outcome was not what I was expecting. I received a call informing me that I am not entitled to any payments as at the date of my claim, my account was actually in credit (an item refund). The representative also confirmed that had my account been a zero balance as a result of full clearance, I would still not have been able to make a claim. Why have I been paying PPI all this time? Can I get this money reimbursed? It has been my choice to pay each month's balance off in full to avoid charges and at times it has been difficult: it would have been a lot easier had I not been paying for PPI that is, in effect, useless. Can anyone advise me please? I cannot currently find any references to similar disputes that might assist. Many thanks
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