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Barclaycard PPI - odd reply...


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Hi, just fired the first shots over the bow with Barclaycard re PPI paid as finally got chance to look at this card. Asked them to provide any evidence of me actually signing up for PPI or refund.

 

Got the reply of

 

your application for ppi was submitted online. At the point of applying for the ppi, the process required you to select the specific type of cover you required.

 

In addition we conducted a review of the documentation you viewed during the sale. we satisified...

 

you may consider this letter to be our final response..

 

 

this just really doesnt sound right

 

will add full letter tomorrow.

 

any advice?

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Somewhere on CAG Online PPI is mentioned and some tips on what you can do, I did come across this Url below

 

http://www.lawontheweb.co.uk/Missold_PPI_Claims/What_is_PPI_Misselling

 

An unfortunate corollary of this, however, is that it is difficult to prove mis-selling when the PPI was purchased online, as in this case a full set of terms and conditions is usually available to the seller, so it is their responsibility to absorb them.

 

Nevertheless I assume someone with answer your concerns pretty much soon. If I come across the thread about applying online for a loan and ticking (pre-ticked possible) the PPI box, I will add it here.

Master Sun SAID:

Ultimate Excellence Lies Not in Winning Every Battle

But In Defeating the Enemy Without Ever Fighting.8-)

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.Hi

 

Don't necessarily believe what the bank says.

 

Even of it was done on-line it doesn't mean to say it was sold properly....there are many criteria for mis-selling and usually there are a number which apply to an individual.

 

Indeed some of them were pre-ticked boxes and you couldn't proceed with your application if you unticked the box or, if it wasn't pre-ticked, you may not have been allowed to proceed until you did tick the box.

 

Fos have frowned on a number of lenders for their on-line sales practices in years gone by.

 

As this is their final response you can go to fos or you can approach them again with your concerns and a schedule of claim (spreadsheet) and a completed fos questionnaire.

 

What from did your claim for mis-selling take?

 

ims

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Have a look at the fos website regarding the criteria for mis-selling.

 

If you didn't know you had it and they put it on there without your approval then that is a good enough reason.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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