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help please - Barclaycard PPI


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Dear All,

 

I recently received a rejection letter from Barclaycard regarding my PPI complaint as they cannot locate any information regarding my historic accounts. Is the onus on my to substantiate my claim?

 

Any help would be useful.

 

Many thanks.:???:

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Hi

 

Have you got any records or statements at all on this account?

 

How old are we talking?

 

 

Thread moved to the PPI forum

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That's what I meant...have you got anything on this account that shows you were paying PPI?

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

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Read Here

 

How To Upload Documents To Cag

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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.

 

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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

 

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Sadly I think this may prove very difficult then.

 

Barclaycard will claim they they do not hold data beyond six years old and if the account was closed more than six years ago then they may have destroyed the records anyway.

 

I think that unless you can come with some data you may be kippered.

 

We do know that BC have mysteriously found information as some members have got stuff going back to 2002 after pressing them hard but it hasn't been easy.

 

With your SAR did you give them details of the address you were at when the account was open? If not you could try that.

 

Alternatively you could try reporting to the ICO that BC have failed with your SAR and see what they say.

 

Its not going to be easy I'm afraid.

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

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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

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Dear ims21.

Thank you for your insight. I will continue with SAR request and apply pressure.

 

On a seperate matter, LLoyds tsb credit card recently came back to me to deny my PPI claim on the basis that I ticked the original application box to request ppi. This claim goes back to 2002 and from memory, I have never signed any applications (including Debenhams) and i would refute their response - what action can I take (i am a Lloyds customer)?

Thank you.

NB: first time user, sorry if I am posting in wrong areas.

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As regards Lloyds, tell them that you want to see evidence that you ticked the box.

 

You are perfectly entitled to challenge their decision so go through their refusal letter and challenge each point you disagree with.

 

Out of interest, what were the reasons you gave for the mis-sale of these items in the first place?

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

 

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ims21 - thank you. I intend to challenge their decision.

My rationale for PPI complaints is that I neither wanted them, they were never explained to me or were of no use to me at the time of applications. I guess thats the correct emphasis?

I guess like most people, I am going after alot of claims.

Lloyds settled at the beginning of the year, which was nice.

Natwest credit card settled earlier this year too.

Debenhams - pending

Kwik-fit - pending

HSBC/Midland bank - pending

 

Any tips would be useful.

Thanks alot.

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Well your grounds for the complaint seem valid.

 

The best tip I can give you is keep at them and have a read around the PPI threads....there's a lot of information in them which may help you.

 

Also have a look in the PPI success sticky as there links there to the success threads....start with the latest ones first.

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

 

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i had the same letter from barclays aaying they could not locate a policy.i then sent oF for S.A.R and that came back with a policy

number highlighted in blue marker with the words ppi protected ,sent these details back to re,open my claim and last week got the same letter saying they cant locate a account (ive just sent it to them) now its gone to F.O.B.

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