Baz1994
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Barclaycard Visa SAR / PPI help
Baz1994 replied to Baz1994's topic in Payment Protection Insurance (PPI)
OK thanks. Do I just sent Barclaycard a letter to that effect ? Is there a template letter do you know ? -
Barclaycard Visa SAR / PPI help
Baz1994 replied to Baz1994's topic in Payment Protection Insurance (PPI)
Yes I did and I returned it to CPP -
Barclaycard Visa SAR / PPI help
Baz1994 replied to Baz1994's topic in Payment Protection Insurance (PPI)
Again thats the mystery no correspondence regarding it just a Barclaycard statement received today showing amounts ? I had previously completed CPP details regarding a Morgan Stanley Credit Card pre 2005 but had not heard anything more since. -
Barclaycard Visa SAR / PPI help
Baz1994 replied to Baz1994's topic in Payment Protection Insurance (PPI)
That's what I thought but I have received a statement deducting mentioned amounts ? If that's the case should they have not applied the simple interest amount ? -
Hi hope someone can help. I had a CPP for the above in which I have been successful in reclaiming. The only thing is I have today received a statement and Barclaycard have deducted protection amount owed from balance, Tax amount and also the simple interest amount ? The card was suspended a couple of years ago (due to another barclaycard account that I had problems with) and I always make the regular minimum monthly payments that are due on this account. I have had no contact from them regarding what they have done or any further contact from Card Protection Plan Limited. Is this correct what they have done as I thought that any interest less tax should have been returned to me and not applied to the account ? Its not a large amount but its the principle of the matter that concerns me. Apologies if I have posted under wrong section.
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40 calender days
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Just an up-date for anyone interested. Spoke to FOS who suggested Underwriter route and today received a standard fob off letter from Ageas / Groupama denying any responsibility but just say that First Assist were responsible for the administration of PPI and Next were responsible for the selling. They don't say nothing else apart from this is their final decision and have 6 months to go to FOS if unhappy. Should I go back to Ageas dis-agreeing with their decision as they have not responded to my comments stated in my letter or do I go back to First Assist ? Any help what to do next would be appreciated
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Welcome PPI claim pre 2005 *** SUCCESS ***
Baz1994 replied to hillards's topic in Payment Protection Insurance (PPI)
Thanks dx and rings a few bells now as I received a similar explanation from Welcome when I asked them and wanted to keep it separate from PPI. Think it is time to address this issue again and will look through links. -
Welcome PPI claim pre 2005 *** SUCCESS ***
Baz1994 replied to hillards's topic in Payment Protection Insurance (PPI)
Thanks dx i'm interested because asked about this a while back but didn't pursue it. I did do a spreadsheet for MIF plus PPI but only submitted PPI as wanted to keep seperate. Will need to research MIF option but any help / direction would be appreciated. Is there a standard letter to address this with welcome ? -
Welcome PPI claim pre 2005 *** SUCCESS ***
Baz1994 replied to hillards's topic in Payment Protection Insurance (PPI)
Sorry to but in hillards but did you include Mortgage Indemnity Fee amount in your spreadsheet ? -
Littlewoods / Shop Direct PPI
Baz1994 replied to Baz1994's topic in Payment Protection Insurance (PPI)
Yes as I have found out previously with others but didn't get a refund . Oh well in for a penny in for a pound and many thanks again. -
Littlewoods / Shop Direct PPI
Baz1994 replied to Baz1994's topic in Payment Protection Insurance (PPI)
OK many thanks and presume any signed agreements will be supplied with SAR request ? -
I had a Littlewoods catalogue account in which was paid up and closed in June 2009. I sent the normal Credit Agreement request etc with enclosed statutory payment of £1. Today I have received a reply from Shop Direct / Littlewoods with returned cheque and stating as the account is closed, we are not obliged to send you a copy of the executed agreement or confirm if any payment protection details. However they do state that under Data Protection Act 1998, I am entitled to request copies of all personal data etc if I provide a statutory payment of £10. Has anyone experienced the same ? Are they acting lawfully by not addressing my original request ?
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Cheers again g/l
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Thank-you again and just one final question so I got everything right, do I mention my previous address when cards were taken out ?
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Yes I know hence why I went to the CEO at Next and they have even admitted in writing that it was automated and PPI was not even mentioned in the Credit Agreement ! I will have to speak to FOS as suggested but my main concern is regarding regulation. Fell determined with this one but on reviewing forum looks like this is the norm and no successes Is there any other option do you think ? Not too confident with FOS at moment on other issues. The account was paid off in 2005 and zero balance, but was charged PPI from December 1991 till then totalling £1,243.57.
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Many thanks again and cheque payable to Royal Bank of Scotland ?
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OK many thanks and pressume PPI address will be the same for SAR ?
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Dx here is a copy of Next response :- 13 March 2014 Our Ref: ............ Dear XXXXX Thank you for taking the time to contact Lord Wolfson. He’s asked me to look into things and reply to your email on his behalf. I'm sorry for any confusion caused by the letter sent by my colleague. I do need to confirm that First Assist will only be able to help you if you have a complaint about the administration of the policy. If your complaint is about how it was set up, they will confirm that Next is responsible for the sale of the cover, as mentioned in our letter. I understand you've requested that the Payment Protection premiums you've paid, be refunded. We certainly recognise that you are a loyal Next customer and would never want you to be left feeling disappointed. So I hope you'll accept my personal apologies for the inconvenience you've been caused by all this. I know Jackie’s already explained this, but I just wanted to clarify that in December 1991, the insurance was added to accounts automatically. However we did then send you a copy of the Terms and Conditions for the cover, and confirmed you could cancel it within the first 3 months if you felt it wasn't suitable, for a full refund. It was then the customer's responsibility to ensure the cover was appropriate for their needs, or to cancel it if at anytime they felt it was not. I understand you requested a copy of the credit agreement for your account as you wanted to check information about the Payment Protection policy. I need to let you know that it’s not mentioned in the agreement, as it was a separate service. However, I have attached a copy as requested. I can confirm that at the time the insurance began on your account until 31 May 2006, the underwriters were Phoenix Assurance - although it is now Groupama Insurances. I've supplied the address we have for both companies below. Phoenix Assurance Plc Groupama Insurances Policyholder Services 6th Floor PO Box 30 One America Square Liverpool 17 Crosswall, London L69 3HS EC3N 2LB Sometimes we need to make difficult decisions, and I'm afraid that in this case, it remains unchanged. I appreciate you won't be happy with this. But if you do wish to pursue this matter, I would suggest you seek legal advice. We will be happy to liaise with any authorised third party. And I am grateful to you for giving me the chance to look into this and explain our position again. With kind regards Tina Robinson Complaint Resolution Management Team Regards Bazza
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Thanks again for your reply. Will give FOS a call and see what they say. Will probably suggest contacting the Underwriter as they would have been regulated or I know Groupama are as I read something on this site about them. Should I still go back to Next in the meantime again disputing their findings ?
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Thanks dx for your reply. Comments noted but Next are saying that they were not regulated at time of sale and not subject to the jurisdiction of FOS, so no rules and regulations apply in this instance ?
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Cheers again dx Sheet and letter sent recorded to Welcome yesterday - will keep you posted.
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Thanks DX Just to give you update I called First Assist who kindly advised that Next Retail Ltd sold the policy ( but they were not regulated at the time) and First Assist were only administrators for the policy. They also advised that Next would be responsible for accounts, issuing documentation etc to the customer so I will have to go back to Next with the mis-selling complaint. I decided to email the CEO at Next and this morning received a reply. They are again denying mis-selling but explained that the insurance was added automatically and that they would have sent copies of T & C's for cover advising that I could cancel within first 3 months of payments. Therefore the onus was put on the customer to cancel it if it was not necessary. I requested a copy of said agreement and they advised that their is no PPI information mentioned as it was a separate service ??? They finally advised that Underwriters at the time were Phoenix Assurance now Groupama and Next provided contact details. They also suggested that I seek legal advice and that they would be happy to liase with. Sorry to sound stupid but what do I do next ? Shall I request a SAR from Next ? Shall I contact Groupama for policy details ?
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Thanks for your reply boltmaker much appreciated. I have two pending complaints with RBS - one for RBS ADVANTA/MINT and the other with RBS Mastercard. Will I have to submit two separate SAR's ?
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Any takers in respect of the above ? Would appreciate any advice thank-you g/l
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