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Jordan Vs Barclays CC PPI


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Here we go again. Back in 2006 this wonderful website enabled me to claim back over £1600 in unfair overdraft charges from HSBC. Following the media storm over PPI I decided again this was the place to get my information !

 

I've kicked things off with a initial letter using the template from the Which? website, this was sent on the 26/04/2011 and I'm yet to receive any sort of from them. The PPI insurance was taken out in September 2004 and is on an active card.

 

Should I expect any sort of acknowledgement from them or will they just reject my 'claim' in approx. 8 weeks ?

 

Thanks again for the informative website, I'll update this thread as things progress.

Jordan

04/07/2006 - Full, unconditional offer made from HSBC, accepted. £1444.xx (unfair charges)

01/06/2011 - Barclay CC PPI claim initiated

13/09/2011 - Claim rejected :|

19/10/2015 - Claim restarted !!!!

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pers i'd follow and use the advise and complaint form on the FOS website.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Hello everyone.

 

I've had a letter containing something Barclays are calling an 'FOS Questionnaire' along with notification that they would like me to complete this and return to them. The letter states that if I don't fill this out and send it back to them they will ' .. continue my investigation with the evidence they have'.

 

Is this standard practice for Barclays ? Should I fill this out and return it or leave them to 'investigate' with only my initial template letter ?

 

Thanks very much :)

04/07/2006 - Full, unconditional offer made from HSBC, accepted. £1444.xx (unfair charges)

01/06/2011 - Barclay CC PPI claim initiated

13/09/2011 - Claim rejected :|

19/10/2015 - Claim restarted !!!!

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Hello everyone.

 

I've had a letter containing something Barclays are calling an 'FOS Questionnaire' along with notification that they would like me to complete this and return to them. The letter states that if I don't fill this out and send it back to them they will ' .. continue my investigation with the evidence they have'.

 

Is this standard practice for Barclays ? Should I fill this out and return it or leave them to 'investigate' with only my initial template letter ?

 

Thanks very much :)

 

Hi Jordan

 

As dx said above, you should have done that questionnaire already.

 

If not, do one now and get it back to them.

 

ims

 

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Hi Jordan

 

As dx said above, you should have done that questionnaire already.

 

If not, do one now and get it back to them.

 

ims

 

Thanks IMS, I will get that off to them today then. :)

04/07/2006 - Full, unconditional offer made from HSBC, accepted. £1444.xx (unfair charges)

01/06/2011 - Barclay CC PPI claim initiated

13/09/2011 - Claim rejected :|

19/10/2015 - Claim restarted !!!!

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  • 1 month later...

Unfortunately I've had a rejection letter through the post this morning stating that Barclays will not pay out on the claim that I had with them regarding PPI. Pretty annoyed as I've been waiting for over 3 months for this.

 

Can anyone please advise what steps I can take next ?

 

Thank you very much,

Jordan

04/07/2006 - Full, unconditional offer made from HSBC, accepted. £1444.xx (unfair charges)

01/06/2011 - Barclay CC PPI claim initiated

13/09/2011 - Claim rejected :|

19/10/2015 - Claim restarted !!!!

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what did you expect a rollover

 

did they give a reason why they are not allowing the cancel and reclaim

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

what did you expect a rollover

 

did they give a reason why they are not allowing the cancel and reclaim

 

dx

 

 

A rollover .. If only ! It seems like some people are getting a pass ... I was hoping to be one of them !

 

They said I could cancel the policy I have for PPI as it is still active on the CC, there reasoning for rejection was as follows (from their letter) :

 

" My understanding of your complaint is that you feel you were mis-sold the PPI policy element of your Barclaycard because you were lead to believe that the application for credit would be rejected without the insurance. Also, the policy exclusions were not explained to you.

 

We have identified that your application for PPI was submitted online. At the point of applying for for PPI, the process required you to select the type of cover you required, in this case you selected the product.

 

In addition we had conducted a review of the documentation you viewed during the sale. We are satisfied that the documentation presented accurately described the scope of the policy and was sufficient to provide you with all of the information necessary to inform you of the terms and conditions of the policy.

 

As a result we have not been able to uphold your complaint.

 

I note that your PPI policy is still active on your account. If you wish to cancel this, can you please call or write in using the details at the top of this letter."

 

.... Then details on how they wont correspond further with me and how to contact the ombudsman etc.

 

Thanks very much dx100uk :)

04/07/2006 - Full, unconditional offer made from HSBC, accepted. £1444.xx (unfair charges)

01/06/2011 - Barclay CC PPI claim initiated

13/09/2011 - Claim rejected :|

19/10/2015 - Claim restarted !!!!

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i'd ping slick132

 

i'm unsure if the bc website like others already had the ppi ticked, and you had to unselect it.

 

this is why its important to use the fos form, and only answer what you know.

 

did you apply online?

 

if you did, then sadly you've left yourself wide open to that answer

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I believe the application for the CC was made online - I can't remember in all honesty as it was several years ago .. I've had the card for ages :/

I'm in the process of looking at the Ombudsman website at the moment.

 

I'll see if I can get Slick to take a look.

 

Thanks for your help DX, I do appreciate it :)

04/07/2006 - Full, unconditional offer made from HSBC, accepted. £1444.xx (unfair charges)

01/06/2011 - Barclay CC PPI claim initiated

13/09/2011 - Claim rejected :|

19/10/2015 - Claim restarted !!!!

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Hi Jordan - looking in as asked.

 

My experience with BC is more biased toward the subject of reclaiming default charges, not reclaiming PPI.

 

Others here are better qualified to comment than I am, and I hope others will assist and comment further.

 

From what I've read, BC are rejecting your claim on the basis that you positively selected the cover. They also appear to suggest that you viewed, or had the ability to view, information which should have enabled you to make an informed decision.

 

I do not know if their views are adequate to reject the claim.

 

What I do know, however, is that BC reject default charges claims initially, particularly if you claim compound interest or reclaim charges older than 6 years. If the claimant persists and actively pursues the claim taking court action, BC back down and pay up in full in 99% of cases.

 

You should also consider whether PPI was appropriate for your circumstances, with regards to your employment status, the hours you worked, your health, age, etc. Is it possible you would not have been eligible because of any of these factors.

 

You really need opinion from those who are more experienced with PPI.

 

:-)

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Hi

 

Slick has identified some of the considerations regarding health and employment status.

 

There are of course a whole host more and I've no doubt you will spot them when you look at the fos website. With regard to the on-line sales process, even if the box was not pre-ticked, there is the question as to whether the full cost of the product was clearly advised, was the information on the site clear and not misleading and did it appear to an average consumer that their policy was required in order to get the loan/card.

 

The whole Judicial Review came about as a result of the FSA tightening and re-writing the rule book on the sale of ppi and the real beauty for the consumer was that they made these rules retrospective so in effect the new rule book applied to past sales of ppi. That's why the banks kicked off about it 'cos they knew it was going to cost them.

 

BC turning round to you and saying well you ticked the box and they reviewed what you read on the site a the time is not excuse enough. I would spend some time researching the mis-sale criteria since there are probably a few of them that apply to you when you really think about it !

 

You then have a couple of options. Although they have said this is their final decision you can ask them to look again at it. Alternatively you can pass it to fos and let them deal with it but when you do submit your claim to fos, make sure you enclose with your letter the reasons why you think you were mis-sold.

 

The other choice is of course to sue which is quite feasible but you will have to do a lot of work and be prepared to present your case in a court room in frnt of a Judge.

 

Regards

 

ims

 

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Thank you Slick and Ims, I really appreciate the time you have both taken to respond to my thread.

 

I believe the case is worth pursuing via the FOS at the very least, as you say - I am quite sure as a default at the time the option for PPI was checked, I am not a financial or legal 'eagle' and the fact that the terms were available wasn't an indication of whether I understood the policy completely or not. I will do a little more research in to the exclusions and see if any of them stand me on slightly better footing with regards to making my claim. I will admit I sent a rather hasty letter to the bank when I originally put my claim in - perhaps it will lead to the eventual failure of my claim, but I feel at the moment I don't have much to loose by trying at least.

 

This is a fantastic website and I am truly grateful for the advice I have received here, both with regards to PPI and the unfair overdraft charges I was able to claim back in 2006.

 

Thank you all, I will update this thread when things are moving again.

Jordan

 

E2a - One thing I have noticed, on my online account the amount of PPI paid monthly isn't readily available for me to view - I can't see it as a 'new spend' on the card, and am only able to view the amount taken monthly by really drilling in to the activity on my account - I feel this is very underhanded. Typical Barclays.

Edited by Jordan

04/07/2006 - Full, unconditional offer made from HSBC, accepted. £1444.xx (unfair charges)

01/06/2011 - Barclay CC PPI claim initiated

13/09/2011 - Claim rejected :|

19/10/2015 - Claim restarted !!!!

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I had pretty much the same letter today. Except mine was a postal application. They are clearly generic rejection letters.

 

My letter read:

 

We have identified that your application for PPI wa submitted by post. At the point of applying for PPI, the process required you to select the specific type of cover for you required. In this case, you positively selected the product.

 

In addition, we have conducted a review of the documentation you viewed during the sale. We are satisfied that the documentation presented accurately described the scope of the policy, and was sufficient to provide you with all of the information necessary to inform you of the terms and conditions of the policy.

 

I'm not sure if the FOS woud go against there judgement.

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Blue Danny - Will you pursue any further avenues (eg. FOS) or will you leave things as they are ?

 

I'm more of the 'nothing ventured' mindset and will be reviewing my options and will at the very least try the FOC route, if this fails I feel another small claim coming on.

04/07/2006 - Full, unconditional offer made from HSBC, accepted. £1444.xx (unfair charges)

01/06/2011 - Barclay CC PPI claim initiated

13/09/2011 - Claim rejected :|

19/10/2015 - Claim restarted !!!!

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Hi

 

As you say Jordan, nothing ventured etc.

 

At the very least let fos have a look at it...that way it costs you nothing but it does cost the bank.

 

One thing is for sure, if you don't let fos have a go you certainly won't get anything unless you sue.

 

Regards

 

ims

 

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  • 4 weeks later...

Same for me from barclaycard. Refused ppi claim because i had apparantly ticked the box on the postal application (cant remember doing that) but can remember that i had "homemaker" in the employment box as ive been on Incapacity Benefit since 1991. Got their letter this morning so ive made my complaint to FOS and posted it already.

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Same for me from barclaycard. Refused ppi claim because i had apparantly ticked the box on the postal application (cant remember doing that) but can remember that i had "homemaker" in the employment box as ive been on Incapacity Benefit since 1991. Got their letter this morning so ive made my complaint to FOS and posted it already.

 

then reply and say you did not tick it.

 

get them to prove it was you

 

they will always refuse a claim first time

 

have you the doc concerned?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi, all stuff is with my lawyer at the moment (cabot suing me) but i remember exactly whats on it and how much i paid them. I put in my complaint to FOS i didnt tick the box etc. So will just have to wait and see. Got charges back from them and compensation for double entry on my Credit Files so fingers crossed.

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  • 4 years later...

Well guys, I've decided to give this another try after reading how many complaints are being upheld after initial rejection from Barclays.

 

I have the same claim in, I have contacted Barclaycard and have filled out their online form for PPI claims. Waiting the standard time for my case to be acknowledged and rejected by Barclaycard so I can take the complaint to the ombudsman. The particulars of the case are the same, an online application and previous rejection was that I should have 'read the small-print'. I believe that (in 2011 at least) all online Barclaycard applications for PPI were treated in the same way, from what I can remember they took some 9 weeks to reject me previously so I am hoping things have sped up a little now.

 

Thanks and good luck everyone.

04/07/2006 - Full, unconditional offer made from HSBC, accepted. £1444.xx (unfair charges)

01/06/2011 - Barclay CC PPI claim initiated

13/09/2011 - Claim rejected :|

19/10/2015 - Claim restarted !!!!

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Hi Jordan,

 

Let us know how you get on with them with this new PPI attempt.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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