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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Barclays Bank unable to find accounts for PPI - even though paper evidence has been provided to them


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I submitted my PPI complaints to Barclays on 19th May 2011 and 6 months later I am still no further forward. They initially responded on week 17 to state that they couldn't trace any policies in my name and therefore didn't uphold my claims but luckily I had SAR'd them 3 years earlier and had the policy numbers and screenshots to prove I had taken out insurance. I then rang back the day after and it then took them a further 6 weeks to reopen the claims (end October 2011). They told me last night that I my claims are unusual in that they are having trouble tracing the policies (despite providing them with references). I have referred the matter to the FOS but apparently they are taking 6 months to respond?? Will they have to uphold my complaint if they can't find the paperwork even with the references?

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I submitted my PPI complaints to Barclays on 19th May 2011 and 6 months later I am still no further forward. They initially responded on week 17 to state that they couldn't trace any policies in my name and therefore didn't uphold my claims but luckily I had SAR'd them 3 years earlier and had the policy numbers and screenshots to prove I had taken out insurance. I then rang back the day after and it then took them a further 6 weeks to reopen the claims (end October 2011). They told me last night that I my claims are unusual in that they are having trouble tracing the policies (despite providing them with references). I have referred the matter to the FOS but apparently they are taking 6 months to respond?? Will they have to uphold my complaint if they can't find the paperwork even with the references?

 

So is this now with the FOS or is B/shark still handling the complaint ?

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It's still with Barclays. Have had no response from FOS yet (sent 3 weeks ago).

 

Did you send the complaint to the FOS by way of either email or a tracked method of posting?

 

How old is this account/policy and was it a credit card where there would have been a monthly premium or a loan (single premium) ?

 

I have asked someone to look at your original question.. but it might be a good idea if we start a specific thread on this. I will sort that out for you.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi CAG Forum

 

I have just noticed this post whilst looking up information to challenge Barclays. I have received a letter stating that they cannot locate a policy in my name. At the same time I am also looking to challenge their previous letters (from some years ago) that my data is held on a microfiche and cannot be easily acceptable.

 

Any help with either of these problems would be a real bonus.

 

Successfully claimed from Santander and MBNA.

 

Thanks

 

Homerisright

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Hi CAG Forum

 

I have just noticed this post whilst looking up information to challenge Barclays. I have received a letter stating that they cannot locate a policy in my name. At the same time I am also looking to challenge their previous letters (from some years ago) that my data is held on a microfiche and cannot be easily acceptable.

 

Any help with either of these problems would be a real bonus.

 

Successfully claimed from Santander and MBNA.

 

Thanks

 

Homerisright

 

Hello Homer, have a read of the thread linked below, it should help you challenge the microfiche issue with B/shark.. if you have any further questions in respect of your situation, can I suggest you start your own thread :)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?50148-Barclaycard-amp-Microfiche-they-are-wrong-OFFICIAL

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Challenging

 

Dropping in as requested by CB.

 

So you have the solid evidence of these policies and the reference numbers. If they show a clear link to the account then in my view it is the lender's problem that they can't find documentation.

 

In your SAR did you get any transaction history on the account(s) from which this PPI was taken?

 

ims

 

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Hi Yes, I wrote to them a few years ago requesting a full summary of all details held on me. They replied to me and included screenshots of all of my accounts and in addition to the policy numbers there was an insurance taken out indicator Y/N, marked yes. There was a transaction history for the loan and mortgage accounts including date taken out, amount borrowed/paid etc but not a breakdown of the individual insurance amounts. Think they have obviously traced the agreements but suspect they are having trouble in providing evidence that the policies weren't missold.

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