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I am now into Cagging barclays for a ppi refund due to the fact i was told it was a condition of the loan and it was added as a single premium at the start of the loan

 

i have all the paper work and payment history so the questions i have are...

 

1, can i send a pre-lim giving 14 days to respond ?

2, then can i send a LBA with 14 days to respond ?

and then court?

 

or do i have to go through the FOS


Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

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hi beck i think the bank has 8 wks to respond to your initial complaint then it is up to you whether you want to use the fos or the courts, the only thing is if you use the court first then fos then wont look at your complaint, however if you are not satified with the fos decision you can then challenge this in court, im sure someone whose more experienced than me will clarify this for you good luck :-)

  • Haha 1

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hi beck i think the bank has 8 wks to respond to your initial complaint then it is up to you whether you want to use the fos or the courts, the only thing is if you use the court first then fos then wont look at your complaint, however if you are not satified with the fos decision you can then challenge this in court, im sure someone whose more experienced than me will clarify this for you good luck :-)

 

Ceri has it correct with this statement. Whatever action you decide to take, I would advise you to do your homework in the PPI forum or Legal forum. There is a lot of information in the stickies at the top of the page and also in the Consumer forum libraries.

 

 

The FOS route is long but the FOS are upholding 90% of complaints that is a good point. Another good point is that if you go via the FOS it will cost Barclays a fee of £500 payable to the FOS for dealing with your complaint. If you go via Court make sure you have legal advice from the site legal forum.

 

General advice is do lots of research and reading from other threads and forums on the site and prepare.

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hi beck mine is with the FOS which has been since oct last year i was appointed a ajudistcator that was 3months ago that was the last time i had an update with the FOS it is along process its just sitting and waiting to see the outcome i hope i get a result? good luck with yours:)

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Just wondering how long the FOS route takes ??? any idea's


Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

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most people are reporting between 9 - 12 months at the moment beck because they are so busy:(

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Just wondering how long the FOS route takes ??? any idea's

 

 

A lot can depend on you and how you present all the correspondence to the FOS. It is best to send it with item numbers so you have a record of the sequence of events.

 

Item 1 Your SAR

Item 2 their response or if no response

Item 2 your non compliance letter

 

etc

etc

 

keep at least two copies of everything and keep it in order and not necessarily date order as letters cross.

 

The more information you give the FOS including any follow up correspondence after you lodge a complaint the better informed they will be. Remember they will also be asking barclays to supply their side of the story.

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Dont need to SAR as i have all the paperwork

 

When i needed the loan it took less than 15 mins in branch office

walked out of office and withdrue cash at counter as a bankers draft:)

 

reason for loan = to buy into a business (going self employed):)

 

not told PPI optional:)

 

I was not asked if I had any other insurance which would cover the loan:)

 

I was not told I could buy PPI elsewhere to cover the loan:)

 

It was not explained to me that there were certain exclusions within the policy that could affect me:)

 

paid upfront for the PPI but it was not explained that there were some PPI policies where I could pay monthly.:)

 

I was not made aware of the specific exclusions relating to unemployment cover.:)

 

It was not explained to me that the policy premium would be paid upfront as a single premium and would be added to my debt and attract interest.:)

 

 

all ppi paperwork and T&C's followed 9 days later:)

 

 

Hopefully i have ticked enough boxes to get a refund of the PPI

Sent request yesterday - Barclays will have it today by 1pm

 

If no refund, FOS route I think

Caggers, thanks for all the advice to date


Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

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Just wondering how long the FOS route takes ??? any idea's

 

my PPI complaint went to the FOS in Jan 2008, it has yet to be allocated :(

however as others have said they are upholding most of the complaints so hopefully worth the long wait :rolleyes:


9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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Jan 2008 !!!!! i would be on the phone every B****y Week


Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

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Jan 2008 !!!!! i would be on the phone every B****y Week

 

I tried that, it doesn't work.....

I'm just hoping that my file comes to the top of the pile soon, my complaint is for £2k worth of PPI :)


9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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i hope you are at the top soon

i know it's a bad thing to say ..... 8% intrest in good right now


Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

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Need a bit of brain help here please......

 

PPI was paid UPFRONT as part of loan

and i have made 61 payments (61 x £63.02 + 8% stat comming back)

 

but obviously the current loan still has part of the upfront ppi in it

 

how do i calc what needs to be repaid or minused of the loan

 

any help please ????


Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

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