Jump to content


Barclaycard PPI Claim


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3430 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Guys,

I have just received a response to my Claim on missold PPI against a Credit card I took out Years ago. The letter states that they are unable to uphold my complaint as they have identified that my application was submitted by post and that the process required me to select a specified type of cover.

 

Looking for advise on how to respond. Should I go down the SAR route first and then the FOS

 

Should I inform them that I am contacting the FOS?. As I took out the agreement when I was a mere teenager (18 years ago) they have advised that I positively checked the box in my postal application however they have not provided me with any evidence to confirm this and my memory will not go that far back ;-).

 

In addition to this they have also informed me that the date of sale was before Barclays became signatories to the General Insurance Statndards council code of practice. I saw on another thread that the previous codes of practice would be covered under the FOS. Is this true?. I tried ringing today but their phones seemed to be down, I will try again tomorrow.

 

Thanks for this great forum. It's certainly an eye opener to the big bad world of financial institutions.

Link to post
Share on other sites

Hi gla

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available. Have a read of 2 and 3 in my signature.

Don't give up, it's a predictable response from Barclays.

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

Link to post
Share on other sites

Hi

 

Yep as Rebel says, totally predictable.

 

What did you send them with your original claim, i.e. did you work out any figures and did you complete a fos questionnaire?

 

I take it their letter says its a final response?

 

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

 

Link to post
Share on other sites

Hi IMS,

I sent them a Letter of intent in relation to claiming PPI. In the letter i set out my reasons for claiming i'e Not informed that the Policy was Optional, I Realized that I may have had alternative cover, Not given the correct info when the policy was sold and that it was not sold in my best interest.

 

I had not set out any Figures but in the letter I had stated that I would expect the statutory 8% interest on my claim. I guess that may have been to my detriment assuming that they would do this?. I wouldn't even know where to start given that the card was taken out and used frequently since 1994 \ 1995. I stopped the PPI in 2010 when all of the hype about it was starting to circulate the media, If only then I had realized options I may be in a different position today. But Hindsights a wonderful thing.

 

Any way, 2/3 weeks later I received a letter saying that they were looking into my claim and asked me to fill out the FOS Questionnaire, all of which I duly did. They responded and said I would have a reply and decision by a certain date which give or take a couple of days they did adhere to.

 

However, Like you say thay have stated that this communication " As a result we are not able to uphold your complaint" should be viewed as their final response in relation to this matter and then they go onto inform me that as the date of sale was before Barclays became signatories to the GISCCP my complaint would not be elegible for referral to the FOS.

 

Is this truly a std response and is it worth pursuing further?.

Link to post
Share on other sites

Hi

 

Yes it is a standard at the moment from Barclays....an attempt to confuse and confound.

 

If you have all of your statements you can use the fos redress spreadsheet in the PPI stickies to work out what you should expect back.....see here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

Send copies of all your correspondence in the matter to fos and let them know what Barclays are up to by telling people they cannot go to fos.

 

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

 

Link to post
Share on other sites

Thanks again. Then I guess I need to follow thru with the SAR with Barclaycard 1st since I don't have all Statements and can only find very little recent ones from 2007\2008. Not all though. Once I receive those then I can use the redress spreadsheets and follow thru with the FOS. Should I state my intentions to Barclaycard when responding to this letter?.

Link to post
Share on other sites

No you don't need to tell Barclaycard anything

 

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

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...