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Zorro01

Barclaycard Card Protection - Reclaiming adice needed

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I am in a bit of a pickle at the moment with BC. I recently found out that I had PPI on my card for 2 years.... totally without my knowledge. This is a snippet from a question I asked in another thread of mine and one of the guys recommended I post it here. You can get the jist of what I am talking about....

 

Is it still classed as mis-selling when they do something 'Under the radar' in relation to PPI.

Heres how I see it. They stole money off me for 2 years - someone noticed they were taking this money from me and then tried to cover it up.

I also just noticed on one of my statements that one of the PPI payments pushed me over my credit limit leading to LOADS of charges (and interest on those charges). Surely this isnt right is it. Like I said I use to just get the letters and statements and stick them in a folder and becuase I used to earn a decent living I just didn't realise these things were there but now money is tight it has been brought to light.

Wow I cannot belive this company. I cannot wait to see what they come up with for this.

 

 

I sar them recently to see the info they have on me. Is it not criminal for them to just stick PPI on to my account notice it 2 years down the line and then brush it under the carpet.

ANythoughts on this...


VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

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any ideas.


VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

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Hello kevmall

I am in a bit of a pickle at the moment with BC. I recently found out that I had PPI on my card for 2 years.... totally without my knowledge. This is a snippet from a question I asked in another thread of mine and one of the guys recommended I post it here. You can get the jist of what I am talking about....

 

Is it still classed as mis-selling when they do something 'Under the radar' in relation to PPI.

Heres how I see it. They stole money off me for 2 years - someone noticed they were taking this money from me and then tried to cover it up.

I also just noticed on one of my statements that one of the PPI payments pushed me over my credit limit leading to LOADS of charges (and interest on those charges). Surely this isnt right is it. Like I said I use to just get the letters and statements and stick them in a folder and becuase I used to earn a decent living I just didn't realise these things were there but now money is tight it has been brought to light.

Wow I cannot belive this company. I cannot wait to see what they come up with for this.

 

 

I Subject Access Request them recently to see the info they have on me. Is it not criminal for them to just stick PPI on to my account notice it 2 years down the line and then brush it under the carpet.

ANythoughts on this...

 

You have started with the right approach Subject Access Request. Get the information and then action. In the meantime please read through some of the threads in the stickies at the top of the forum which may help you prepare.

 

Here are a couple of starters for you....

 

PPI - Some Notes for Claimants..

 

links and in this one tons of stuff.....

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Another Useful article on Single Premium PPI and why the FSA say it was unfair.

http://www.moneymadeclear.fsa.gov.uk...insurance.html

Payment protection insurance (PPI) – Refunds of single premiums : FSA Money made clear – Unfair contracts

 

 

Over to you for research and lets hope you get all the data from your SAR.

 

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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I have read the bit above on your post PPI Some info for claimants bit and I don't feel I fit into the criteria. I wasn't mis-sold PPI it was just put on my account and I only found out about it recently when I started to look through my old statements. It ran for two years and then it stopped. They never told me about it. Would i still have a case under the conditions of re-claiming??/


VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

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I have read the bit above on your post PPI Some info for claimants bit and I don't feel I fit into the criteria. I wasn't mis-sold PPI it was just put on my account and I only found out about it recently when I started to look through my old statements. It ran for two years and then it stopped. They never told me about it. Would i still have a case under the conditions of re-claiming??/

 

If you have been paying for PPI and were not aware of it then Yes you should be claiming it back with the interest. Keep copies of all of your statements you will need to either send copies to the FOS or present them in Court if that is you chosen route to get your money back. It seems a lot of people were not only mis-sold but a lot more had PPI added to their loans without their knowledge (a serious state of affairs and how to prove it) :-o

 

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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thanks aa


VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

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hello all.

 

I SAR'd Barclaycard becuase I noticed several discrepencies with the account. I am going to be reclaiming my charges back from them to start with and alongside that I am going to go fourth and claim the charges for the card protection that I only recently found out were added to the account in 2007 and 2008. They have not sent me details of this (only in a statement recently cause of SAR) and I want my cash back.

I have no idea of the policy number becuase I never asked or recieved for it and I am unsure what to put in the letter or indeed what interest I can charge but I will get to that point in a moment.

LETTER - Most of the templates I can find on here are all referring to Loan polices / PPI where this Card protection is for protecting the loss of cards etc so am unsure how to approach it.

INTEREST - I know with disproportiante charges for banks, cc, loans etc I can initially ask for the statuary 8% interest rate; what a court would award. But the problem I have is along with the money taken out for the card protection in 2007 - 2008 on both of these occassions the money taken by the sharks put me over my credit limit (which in turn caused for me to be charged) and they then added contractual interest for the next month on the over limit amount which I feel should not have happened.

To cut along story short. They cause me to go over my credit limit, they then add charges and they then add the interest to this also. I would not have gone over limit and I would not have recieved the added interest etc.

Any ideas on the best way to approach this as I will want to send them a letter asap.


VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

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hello all.

 

I SAR'd Barclaycard becuase I noticed several discrepencies with the account. I am going to be reclaiming my charges back from them to start with and alongside that I am going to go fourth and claim the charges for the card protection that I only recently found out were added to the account in 2007 and 2008. They have not sent me details of this (only in a statement recently cause of SAR) and I want my cash back.

I have no idea of the policy number becuase I never asked or recieved for it and I am unsure what to put in the letter or indeed what interest I can charge but I will get to that point in a moment.

LETTER - Most of the templates I can find on here are all referring to Loan polices / PPI where this Card protection is for protecting the loss of cards etc so am unsure how to approach it. This protection is only for card loss the PPI is for job loss and your inability to pay the monthly payments.

INTEREST - I know with disproportiante charges for banks, cc, loans etc I can initially ask for the statuary 8% interest rate; what a court would award. But the problem I have is along with the money taken out for the card protection in 2007 - 2008 on both of these occassions the money taken by the sharks put me over my credit limit (which in turn caused for me to be charged) and they then added contractual interest for the next month on the over limit amount which I feel should not have happened.

To cut along story short. They cause me to go over my credit limit, they then add charges and they then add the interest to this also. I would not have gone over limit and I would not have recieved the added interest etc.

Any ideas on the best way to approach this as I will want to send them a letter asap.

 

I believe you will only be able to claim any insurance that was the result of you not being able to repay the monthly payment on the card because of illness, job loss etc. IMO you would not be able to make a claim for insurance for the loss of any card.

 

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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I aa.

 

I think you may have missed the point. The card insurance is a product that was added to my account without my knowledge and it is something I have only recently discovered was there as in my post above. Surely they can't just go around taking money off people for things they have not asked for or even made aware of. If they would have offered card insurance I would have refused but the fact is they put it there under the radar so to speak which personally I feel is extremley underhanded. If I had lost my cards I wouldn't have been able to claim as the simple fact is I wasn't ever made aware that they was covered nor is it a service I had ever bought.


VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

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I aa.

 

I think you may have missed the point. The card insurance is a product that was added to my account without my knowledge and it is something I have only recently discovered was there as in my post above. Surely they can't just go around taking money off people for things they have not asked for or even made aware of. If they would have offered card insurance I would have refused but the fact is they put it there under the radar so to speak which personally I feel is extremley underhanded. If I had lost my cards I wouldn't have been able to claim as the simple fact is I wasn't ever made aware that they was covered nor is it a service I had ever bought.

 

If it was added without your knowledge then yes claim it back. As you rightly point out you should not be paying for something you did not request at the point of application. Forgive me for just having my PPI hat on.;)

 

Having said this you should still submit a SAR to ensure you get all of the data/evidence to enable you to make a solid claim. It will then be up to barclaycard to prove otherwise.

 

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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thanks AA

 

I SAR'd them. They were denying till I got copies of my statements through recently that it was ever on my account (the statements say otherwise though) and it is clearly stated that they have taken payments out for this card protection. They have yet to produce any info relating to my aquiring of the card protection. Why Barclays keep on getting things so completley wrong is beyond me. They say I should recieve my CCA and application form through by next friday as my SAR to date was incomplete so I will see what they say but in the meantime I am going to go after the money. Any ideas what I can do about charges specifically relating to over credit charges caused by monies being taken for card protection????


VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

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thanks AA

 

I SAR'd them. They were denying till I got copies of my statements through recently that it was ever on my account (the statements say otherwise though) and it is clearly stated that they have taken payments out for this card protection. They have yet to produce any info relating to my aquiring of the card protection. Why Barclays keep on getting things so completley wrong is beyond me. They say I should recieve my CCA and application form through by next friday as my SAR to date was incomplete so I will see what they say but in the meantime I am going to go after the money. Any ideas what I can do about charges specifically relating to over credit charges caused by monies being taken for card protection????

 

I am not up to speed on the credit card charge issue but if you search the CAG site (there are many forums I am sure you will find someone in the know) If they fail to produce the required info on your SAR then this would be your next step.

 

Data Protection Act - Non-Compliance - Template Letters

 

there are more letters in the library see this:

 

Cases Library subforum_link.gifStatutes Library subforum_link.gifChallenge defaults subforum_link.gifHarassment Library subforum_link.gifBank Templates Library subforum_link.gifConsumer Protection from Unfair Trading Regs. 2008 Templates Library subforum_link.gifDebt collectors Library subforum_link.gifCuttings and Soundfiles Library subforum_link.gifHelpful external links subforum_link.gifGuidance Notes

Everything you could want in a fight with a bank

 

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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2 threads merged.


[sIGPIC][/sIGPIC]

 

Welcome to the Consumer Forums

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You will soon discover what a friendly place this is and get lots of hints about standing up to consumer bullies or dealing with other consumer rights.

 

Which guide to the Sale Of Goods Act

 

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Hi

 

I am new to this site. How do i start a thread?

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Hi

 

I am new to this site. How do i start a thread?

 

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111

 

Click on the link give it an appropriate name for your own thread and hit the start new thread button.

 

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.

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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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