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

[ims21]

If they suddenly dump money in your account without giving you any clue as to the make up then you challenge them.

 

You cannot be expected just to accept what the bank says (or indeed fos) without having an opportunity to confirm whether the figures are correct.

[candyapple1]

What email address should I use for BC? Anyone have an address they can tell me about? Thanks

[dx100uk]

have a look in the bc forum stickies

 

dx

[candyapple1]

I should be able to post some very interesting news relating to BC in about a week, but in the meantime, this should make everyone laugh....it is laugh or cry and I will not cry over these people. Even though they have upheld the case, have made offer and payment is being processed, the PPI is still active, and they took PPI on our early Feb statement! The FOS were very interested to hear this when I told them!

[citizenB]

As you say, laugh or cry.

 

Look forward to the interesting news

[candyapple1]

Does anyone have an email address for the BC data protection team?

[candyapple1]

If you are familar with this case, you will know that BC, verbally and in written response twice to our SAR, including pressure from the ICO, insisted that they only had statements back to May 2004. However, one night I went over every ine of the dot matrix print outs they had sent us....and noticed a very interesting entry:

 

Memo Type Code ARCH ARCH= STMT ARCHIVE COPY REQUEST

MEMO TEXT COPIES TO CORRESPONDENCE PPI GLASGOW JAN01-APR04

That was in November, just after we had raised the PPI complaint with them, before we even sent in the SAR.

Speaking on the phone once they made their initial offer after the FOS found in our favour, I asked how it had been calculated, all innocence, and was told they had statements back to 2001, and from then to start of card used estimates!!!!!!!!!

Thus, anyone doing a SAR with BC, don't listen when they spout the six year line, not true! I have fired off emails to every BC address I could find, and am waiting for a reply. First and foremost, we have told them we want the statements back to Jan 2001 sent to us immediately. I am also complaining again to the ICO, and to the FOS as BC caused us unnecessary stress, etc. It is well over a year since we sent the SAR, so I would say they are just a little bit guilty of non-compliance!!!!!!

[slick132]

Hi CA,

 

For the Data Controller at BC, see post #104 here - http://www.consumeractiongroup.co.uk/forum/showthread.php?3331-Barclaycard-Contact-Address&p=2455550&viewfull=1#post2455550

 

[candyapple1]

Thanks Slick

 

Have details of their offer through, do these amounts make a slittle sense to you all as me?

 

Premiums Paid: 3796.29

Compound Interest: 3400.94

Simple Interest: 3969.24

 

This is for a card starting Feb 1994, no known statements until Jan 2001 (I have not seen Jan 01 to Apr 04 yet), I have from May 04 to current.

 

With my HSBC offer, the CI was much much more than the SI, has anyone ever seen it where the SI was more?

[dx100uk]

whwn did the card close

if its been closed for many years then the SI will be more than the CI

if there was inly PPI on it for a while.

 

did you ever work out what your avg ppi was PCM?

 

dx

[candyapple1]

Card/PPI opened Feb 1994,

used regularly,

then a lot between 1998 and 2002,

 

had some zero balance years on it between 2007-2010,

PPI cancelled about a week ago.....

 

..Can't really work anything truly indicative out as only have statements back to May 2004,

and some of those were 0 balance,

 

so need to get these earlier statements to give me a better indication...

 

...But I really can't see the SI being more than the CI, not with the length of the account and the spending.

 

Don't forget, as they only had statements back to Jan 2001,

they say they estimated from last known statement down to zero in 1994.

 

I guess if there had not been a lot of spending, the years at zero balance would account for higher SI,

but it looks to me like they have used a very low interest rate to calculate the CI?

[dx100uk]

you need to request a breakdown then

 

dx

[slick132]

Yes, defo insist that BC supply you with a spreadsheet to show their workings.

 

Without knowing the amounts of PPI, either actual or estimated, it is not possible to check their figures.

 

BC, of course, know this and hope you'll accept the figures without question.

 

[candyapple1]

Just had a call re statements from Jan01 to Apr 2004, "Oh well they might have had them then but not sire how long they would keep them, so they might have destroyed them by now" Seriously? I have said if that is what we get told we will be getting legal advice, would they be outrageous enough to claim this?

[alanalana]

Hi candyapple1,

 

Yes they would!!

 

The banks will claim anything to prevent paying out PPI refunds. If you have the information in black and white from barclaycard then IMO you should pass the black and white info to the Financial Services Authority as well as the FOS. Time to tell everyone about everything on the PPI issue. It is now in the open. It is agreed it was mis-sold on a huge scale by most banks, loan companies, credit card companies, mortgage companies, insurance companies, in fact nearly every financial institution was on the PPI bandwagon. So tell Barclaycard it is now time to pay up and not delay things any further or you will broadcast their delay to all the relevant authorities. FSA, FOS, OFT and the media. Get in touch with your local news paper radio station etc. Time to put the pressure back on if they are playing hardball.

 

If you need links to the authorities let me know and I will post the links to you.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?135060-Mis-sold-PPI-Want-your-money-back-use-these-links-to-help

 

some links may now not work as they were posted up some time ago before I left the site team. Some though may be of use

aa

Edited March 1, 2013 by alanalana
link added

[anney63]

I hope you have better luck than me . I have had to go down the Ombudsman route as they just wont send a proper breakdown

[candyapple1]

Thanks for the messages. UPDATE

 

Received the statements from BC, but guess what they did????

 

In 2002 the account number changed to a new one. However, they have sent statements from the old account number, over a years worth, thus claiming the card balance was zero for all that time! It gets more and more interesting every day!!!!! So next thing to chase up is the correct statements for all of 2003 and half of 2004. Might get everything we need by the end of this year!

[anney63]

How long are B/C going to be allowed to play games this is the very reason I put mine in the FOS hands. They upheld the claim but just would not send a breakdown no matter how many times I asked.

[candyapple1]

Have you received the breakdown yet anney? I think they still owe me more than what they have offered on top of the amount they have offered (if that makes any sense?)?

[slick132]

How on earth can you check the bank's calculations if they won't disclose them.

 

Not clear if the bank is refusing to disclose calc'ns to the FOS, or the FOS refuse to pass them to the claimant.

 

[anney63]

I haven't heard from FOS only acknowledgemnt it will be a while yet before I hear anything only been with them a couple of months. I wrote letter and even spoke to the directors office and still they didnt send thier workings so gave up in the end but did send a lot of paperwork to FOS

[slick132]

Hi Anney,

 

If this was me, I'd go back to FOS in writing and insist they or the bank send you the calc'ns which you require and which you're fully entitled to.

 

[anney63]

Yes but that is the reason I sent it to FOs I have to give them reasonable time to look at paperwork surely !!

[slick132]

Hi Anney and sorry to Candyapple for hijacking.

 

Sorry, of course you have to give the FOS time to respond - I was confusing the issues and thought this was YOUR thread.

 

Yes, wait for the FOS to come back to you and I'll read about events on your own thread.

 

[candyapple1]

OK, finally have all the CORRECT statements back to 2001. In their offer, they said they worked backwards down to zero from earliest known statement. Good news is, within some of the paperwork they sent us, is the highest balance of the account, which is 7400. However, none of the statements from now back to 2001 go above 5000-thus, the way they have calculated the offer is incorrect! I also have records, again from them, showing three quick credit limit increases, manually rather than periodically created, so I can pinpoint when the balance was that high, as it corresponds with the credit increase. I shall have a busy night tonight redoing the spreadsheet!