PPI barclaycard (formerly morgan stanley) advice how shall I progess?

[nellyM029]

Hello,

Thanks for reading and any advice for this. I cancelled my PPI, or so I thought and so I complained about this. During this I have realised may have been missold, I THINK i was a student and I also am sure that i thought at the time it would increase my ability to get a higher limit and be accepted on the credit card. BUT I cant remember the ins and outs of the PPI as it was quite a few years ago.

 

I comlained to barclaycard (formely morgan stanley)and they have sent me a PPI Comlaint Customer Questionnaire - which asks questions such as how were you sold it, were you told about 30 day cancellation, what was your occupation etc. The thing is I can't 100% remember. I am pretty sure it was taken out when I got the credit card but I cant be certain.

 

What is the best thing to do - apply for subject access request and not fill in the form? Or should I fill it in -as honestly as I can but because I am uncertain this may weaken my comlaint?

 

 

Many many thanks for any help

[nellyM029]

I also want to add... I have a second barclaycard account (always been barclays) which they have quite nicely reduced the APR to a much lower rate - the balance is quite big. Can they bully me by affecting this account if I push it?

Thanks

[dx100uk]

no thatwould be deemed as a retalitory action which they can get nailed for.

 

the questionaire is solely delaying tactic. ignore it.

 

your need to know what you paid and WHEN so's you can knock-up a reclaim spreadsheet.

 

SAR is the route to go

 

there is a full SAR for PPI stickie template at the top of this forum.

 

dx