Barclaycard PPI-Denied as ppi was taken out prior to 2001!!!!

[ims21]

Well, as of end of business today, that is the seven days I gave un the LBA up. What do I do from here?

 

See here for action regarding non -compliance

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**

 

ims

[I hate paying fines]

I have recently claimed from Barclaycard. Account opened around 1993 and closed in 2005. they had no problem calculating my PPI. They must have my record since 1993 or they used estimated figures?

[candyapple1]

When did you put in your complaint? Ours is sitting with FOS, as they denied it, and I quote; "We were unable to find sufficient evidence to support your claim"! Is the story on here? Thanks though, def positive news!

[candyapple1]

Interesting reading!

 

http://www.guardian.co.uk/money/2004/mar/08/business.insurance

[slick132]

Interesting but, sadly, it is not surprising.

 

Have you sent them the LBA yet.

 

[candyapple1]

Hi Slick, yes we have, it ran out yesterday/today, and have heard nothing. I have a pack up ready to go back to UK tomorrow with a friend, to be sent recorded delivery to the ICO. Court not an easy option for us as we live overseas.......

[I hate paying fines]

When did you put in your complaint? Ours is sitting with FOS, as they denied it, and I quote; "We were unable to find sufficient evidence to support your claim"! Is the story on here? Thanks though, def positive news!

 

I put in my complaint in Nov.2011 and got the reply just last week after 3 update letters. accepted the claim, i did not have to supply any statements eventhough i had some from 2001, They calculated themselves and its the amount I can not ague with over15k.Thanks God.

[candyapple1]

Congratulations, you must feel fantastic!!!! Hopefully FOS upholds ours!

[I hate paying fines]

Thanks, I am sure fos will upholds your claim. its just matter of time. Good luck.

[candyapple1]

Oh well, no news on actual PPI, however the ICO has contacted me to confirm delivery of our complaint against BC, and assigned us a case number.....we shall see what heppens on this side of the issue!

[candyapple1]

Don't know what, or if, it means anything, however just checking our bc statment online, we are now 10 pounds in credit. A payment, called "Cr Tele/Postal Exp CS " for 10 pounds has been made into account. No idea what it is, however the only thing I can think is that it is BC refunding the 10 pound postal order we sent for SAR, which they still have not complied with. Anyone have an idea? If it is the refund, wonder why they are doing that now?

[citizenB]

Don't know what, or if, it means anything, however just checking our bc statment online, we are now 10 pounds in credit. A payment, called "Cr Tele/Postal Exp CS " for 10 pounds has been made into account. No idea what it is, however the only thing I can think is that it is BC refunding the 10 pound postal order we sent for SAR, which they still have not complied with. Anyone have an idea? If it is the refund, wonder why they are doing that now?

 

 

Have you made a Subject Access Request recently ? If so, then they have credited the £10.00 legal fee to the account.

 

Have they not complied with the SAR ?

 

Is there an outstanding balance on this account, if so, and you were near statute barred (no payment for 6 years) then you need to make sure that you keep a note of this date so they cant claim that you have restarted the SB clock.

[candyapple1]

Hi Citizen B, We did do a SAR, and only got six years of statements, nothing else, wrote again, and have since lodged complaint with ICO. So you thin this is them refunding the 10 pounds? How funny, we didn't ask them for that back yet. No, card balance 0, never not paid, etc, so not a worry that side of it. Funny thing is, received another package from them yesterday in answer to SAR, however exactly same letter, and again only statements, although I was laughing as is three months since last sent, so we have moved three months with the statement dates.....boy, those banks must be destroying records as soon as they reach 6 years and one month...lol...not!

[citizenB]

Yes, I rather suspect that they have refunded the SAR fee into the account. If at any time the question of statute barred ever occurs then you will need to have a copy of that because it is a "gift" and not a voluntary payment

[candyapple1]

Thanks CB.

 

Has anyone who has referred to FOS regarding BC had any success???? Still got about eight months to wait, but hey ho, the interest will be building up

[citizenB]

You should perhaps have a look through the PPI success forum. I am sure there must be some Barclayshark successes in there

[candyapple1]

Just wondering if anyone has had a success through fos yet?

[citizenB]

There have been loads of successes via Financial Ombudsman - around 65% of those complaints rejected by the Bank have been reversed by the FOS.

[candyapple1]

Well, almost 13 months to the day since we referred the case to FOS and....NADA!!!!!! Have just emailed them again to ask if our case has even been assigned to a case worker yet???? This is very frustrating! HAs anyone else's case with the FOS taken this long?

[scoobied]

Well, almost 13 months to the day since we referred the case to FOS and....NADA!!!!!! Have just emailed them again to ask if our case has even been assigned to a case worker yet???? This is very frustrating! HAs anyone else's case with the FOS taken this long?

 

I can't say if anyone has taken this long but hang on in as my case was "successful" - sort of - and my ppi started in 1989. BC are paying it back after FOS intervention. However I was told I'd have an offer by early jan and strangely I'm still waiting. I find it oddly amusing that the part of BC dealing with PPI payouts has no telephone no. even within barclays itself.

[candyapple1]

Hi Scoobied, thanks for some partly positive news! Hod di you get them to go back to 1989, did you have the statements, or did they end up producing them? How long did your case take, ie when did you log it and when did you hear back about it being upheld? Sorry, lots of questions!

[citizenB]

Yes, there are a lot of people who have been waiting a long time - in excess of 2 years in some cases. I understand the FOS are recruiting at the moment, although why they didnt do it sooner, is beyond me.

 

There have also been quite a few success stories where PPI was taken out prior to the date you are claiming.

 

Co-op PPI

Success going back to 1995

 

http://www.consumeractiongroup.co.uk...-**WON**-%A33k

 

 

 

Four years but got there in the end

 

http://www.consumeractiongroup.co.uk...**-SUCCESS-***

 

You will find loads more in the PPI success Forums

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?88004-PPI-Successes

 

 

 

[scoobied]

Well as I said I'm waiting to find out what the offer is - the FOS have said it should have been with at begining of Jan and BC say its with this telephone free dept. So I'm in a waiting situation at present. However FOS have said it should include payment for the years of no statements available and it appears a calculation is made on your last few statements of PPI - in my case in 2005 - and then this is averaged out and run backwards incrementally deceasing to zero on date PPI was taken out. I'll let you know how I get on as BC have 12 weeks to resolve this so I should be sorted by mid Feb although I doubt that

[candyapple1]

Wow, so a bit of an update, emailed FOS a week ago to see where our case was at, no reply, so bit the bullet and called them today. After looking at our case, they asked if they could call us back, they did, and it turns out BC upheld our complaint in last April (!!!!!!!!!!)...but FOS have not got back to us. Quite the opposite, I emailed every two months for an update, and even early Dec was told in reply that it was still waiting to be assigned to a case worker!!!!!!!!! So not happy. Am waiting for a manager to call back.

 

How do I complain about the FOS???????

[citizenB]

If you go to the FOS website, you will find they have a complaint process for complaining about them. It will be an independant assessor.

 

B/shark themselves should have contacted you with their offer !