Barclays PPI claim confusion

[floricita]

Hi,

 

I'm trying to claim back money from barclaycard because they applied a PPI policy without even asking me. To date I have paid over £250.

 

I wrote to them about this and the reply I received was " according to our records you do not have a PPI policy with us so we cannot help you. If you have any evidence of it, please submit it to us"

 

The same day I received a letter from barclaycard about the automatic renewel of the barclaycard PPI policy.

 

So I looked at the documentation I have, and it says that it is a barclaycard PPI policy but the company that supplies it is called CPP and they collect it on their behalf.

 

So I want to write back to them. I have the T&Cs, i have my statements where they took payments and letters from them about the barclaycard ppi policy-all evidence that a policy exists-but before I send it, I am asking if I am sending it to the correct people?

 

Barclaycard-or should I send it to CPP?

 

Any help would be great as this is a bit confusing

[citizenB]

I guess what you could do is to copy a statement and send it to them, pointing out the premiums that have been taken.

 

If they still insist it is nothing to do with them, then you should try the company where the premiums have ended up.

[dx100uk]

hehe

barclaycard and their box of frogs excuse

 

keep the customer confused.they might go away.....

 

dx

[dx100uk]

ah!

just read the msg properly as i was wondering if its the CPP card protection lot.

 

and it is.

 

so its nowt to do with BC but CPP which are a card loss protection lot and keys and other nice devices

 

so's you must have been sep signing up for this each year.

 

never investigated if this can be reclaimed

 

dx

[citizenB]

Aha, if iis the CPP lot, you might want to ready the article linked below. It seems as though they are being investigated by the FSA !!

 

http://www.bbc.co.uk/news/business-12898578

[dx100uk]

as i thought earlier

 

shame though its not PPI, CPP dont do that, its ID theft or lost card/key protection or used to be.

but its just as bad.

 

wonder if its covered by the same reclaim rules issued by the FOS/FSA etc etc.

 

i dont think it is, which is why they are being investigated to get them under the same mis-selling umbrella

 

dx

[floricita]

Hi guys, thanks for the responses.

 

I have to admit I am a bit confused now though as to what I should do next with this?

 

It is definitely not something I signed up for.

 

The product is called barclaycard protection .

 

Can I still send off a version of the PPI reclaim templates? Or do I need to send some sort of other letter?

 

Thank you

[dx100uk]

if its got their name on it

then reclaim the same as you would with an unlawful charge

 

dx

[floricita]

Ok thanks.

 

Thats what it is called but on the contract it doesn't say barclaycard hence my confusion

[floricita]

Right I have the contract here, it is (the product) called, barclaycard card protection

[dx100uk]

ok

but ofcourse that might be what the payee calls it for the statement and still nowt to do with barclaycard themselves

 

worth a try though ithink.

 

dx

[floricita]

Thanks mate.

 

I'm sure if its the wrong place they will tell me to send to CPP or whatever.

[floricita]

Ok thanks. So write to CPP then?

 

And is there a template or something I can use? Not sure if this comes under PPI? In all honesty I don't know what the product is and never asked for it.

[dx100uk]

i'd treat it as a PPI reclaim and use the info from the stickie - notes for claimants'

to barclaycard

let see what their answer is, that would be interesting.

as they carry it on their website, so cannot wipe their hands of it

 

dx

[floricita]

Thanks,

 

and send a PPI complaint letter (miselling) or do I need something else?

[floricita]

Thanks.

 

I will write up a draft at thee wknd and run it by you guys.

 

I will have to say it was before the renewel though, because a few weeks before renewel I complained about it, but thought it was a PPI, and they said I haven't got a PPI case closed.

[floricita]

Right this is the letter I have just written.

 

Could someone sanity check it please?

 

Thanks

 

"

Dear Sirs,

Account number:

I am writing in relation to the Barclaycard Card Protection applied to the above account which I believe was mis-sold to me. This Policy was added to the Credit card.

 

During the sales process, you made no attempt to explain if this policy was entirely suitable for my own circumstances, let alone define if it was actually required at all. I am now fully aware that this policy is without doubt surplus to my requirements. There is indeed no existing agreement for this policy either.

I have recently become aware of the mis-selling of Barclaycard Card Protection and I have knowledge of the recent investigations into the Policy by the Financial Services Authority. I believe you have not treated me fairly for the following reasons:

 

 

• The Barclaycard Card Protection Policy was added without my knowledge.

• The Barclaycard Card Protection Policy exclusions were never properly explained, so I was unable to make an informed decision as to whether this policy was required or not

• I was not asked whether I already had any existing policies that would cover any unauthorised use of my card

• There was never any agreed contract for the policy

I have no use for this policy

 

 

Unless you can prove without doubt that this policy is fair, reasonable and suitable for my needs, I demand to be placed back into the position I would have been had this Barclaycard Card Protection Policy not been included. I will therefore demand a full refund of all of my paid Barclaycard Card Protection Policy payments plus 8% interest from

 

I look forward to your full and prompt response to this letter. However, if this matter is not settled favourably to myself within eight weeks of this letter I shall be contacting the Financial Ombudsman Service to investigate my complaint and I give you fair warning that I will not hesitate in taking the matter to the Courts if so required.

"

[dx100uk]

if they have charged you interest at THEIR CC rate , then you do not use 8% but that rate compounded.

 

dx

[citizenB]

http://www.fsa.gov.uk/pages/Library/Communication/PR/2011/039.shtml

 

The BBA have lost their legal challenge against the FSA in respect of PPI as well so that should help

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?290434-BBA-v-FSA-PPI-Judicial-Review/page10

[floricita]

Thanks for the responses guys.

 

Unfortunately I got a bit eager and sent the letter already.

 

Shame, because, along with my credit card claims, I've always asked for statutory interest.

 

Hope my letter was ok.

 

Will keep updated.

[floricita]

Ok update.

 

Barclays wrote back saying sorry I have felt the need to complain, they will look into it.

 

But can I send THEM back a 10 page FOS questionaire to help them.

 

Should I do this?

 

What has this questionaire got to do with them?

 

Confused as to what to do next

[citizenB]

Ok update.

 

Barclays wrote back saying sorry I have felt the need to complain, they will look into it.

 

But can I send THEM back a 10 page FOS questionaire to help them.

 

Should I do this?

 

What has this questionaire got to do with them?

 

Confused as to what to do next

 

Hmmm, this is Barclaycard just being pedantic , plus it will delay the time in which they need to respond to youu.

 

I only just became aware that the fos have a provided a form for the initial approach to the business on their website.

 

Apparently it is " designed to encourage more efficient, co-ordinated and consistent handling of PPI complaints across the financial services industry"

 

http://www.financial-ombudsman.org.u...notes/ppi.html

 

There is a standard form which can be completed by the claimant and sent to the business. That same form can be used to make any complaint to the Ombudsman if the business rejects the claim or goes outside the 8 weeks. So a copy should be made before sending to the business:)

 

I suggest you download and complete the form from the link above. Keep a copy for yourself as you will then send that to the FOS should B/shark refuse to refund.

[citizenB]

The form you refer to is for PPI complaints only. This complaint is for Card Protection. I've already said in post #20 that it would be unwise to use the form as Barclaycard could reject the complaint on the basis that the form is inapplicable to the complaint.

 

I would advise Floricita to allow Barclaycard consider the original complaint.

 

My apologies.. I forgot this wasnt a straightforward PPI claim.

[floricita]

Thanks guys.

 

So ignore, or send a reply saying something like - not doing the form await your reply to original complaint?

[floricita]

Right update.

 

Recieved 2 letters since.

 

1 saying we are still looking into the claim apologies.

 

Then one yesterday saying they have closed the claim, because they say they cannot find that policy, even though i've given them all the details.

 

What should I do next?

 

Seems like they are playing silly buggers