Advice re PPI's please

[aikybeats]

I am looking for some advice on what to do next.

I must admit I am not that up to date on these PPI’s so hopefully someone will be able to give me some info.

 

I had 2 credit cards with Barclaycard. One opened in 2002 and 2008.

I filled out the correct forms but have had a reply saying that

“we have completed our investigation and we are unable to locate a policy in your name. As a result your complaint cannot be upheld”.

 

As I don’t have any documentation – do I just leave it at that?

 

Also can I apply for any late payment fees or default sums??

 

Also Vanquis - I received a reply

 

“I can confirm that the Repayment option plan was discussed following approval of the account.

The information provided by our Reps clearly describes the features, benefits and costs of the plan.

It would have been on that call that it was agreed to have the product added to the account.

The info was confirmed in wiritng and the charge for the plan has also been itemised on each monthly statement that has been issued since the product was applied.

 

In addition, from review of the account I note that the Repayment option plan has previously been activated.

Therefore the charges which have been applied to monthly statement since the ROP was accepted have been correctly applied

and as such I am unable to agree reimbursement of these charges.

 

Please be assured that the ROP has been removed from the account.

 

When I was on maternity leave last year Vanquis froze my account.

 

In the envelope they sent me, was also a letter for someone else.

 

Again, can you apply for any late payment charges/over limit charges.?

 

Monument – received reply – enclosing T&Cs and a Rapid Reply card signed by myself in 2003.

Letter states – We hope this letter has been helpful in addressing your queries and we consider our credit card agreement with you to be fully enforceable and that there is no dispute.

 

Just looking for someone to put me in the right direction please or if I should stop now.

 

Apologies for the non-knowledge!!

[ims21]

Hi

 

With regard to the Barclaycard, have you got any statements showing that PPI was paid? How do you know that PPI was on the Barclaycard accounts?

 

If you have late payment fees or over-limit fees then they can be reclaimed. Again you will need statements.

 

If you have no documentation then you should send a Subject Access Request (SAR) to the lender. There is a template in the CAG library, the link to which is at the top of every CAG page in green.

 

Vanquis ROP is also available fro reclaim of it was mis-sold although it does sound like you have had the benefit that the plan offers.

 

Again, with the Monument one, of you haven't got statements then SAR them to get the data.

 

Also do some reading around the PPI forums to get up to speed with what others are doing.

 

ims

[dx100uk]

i would also start a thread for each relaim!!

 

dx