Barclaycard P.P.I. advice on a refusal

[James79]

Last year I was trying to sort my finances out and noticed Barclaycard were taking insurance money every month.

 

I thought this was my I.D. protection insurance which is only meant to come out once a year, so I phoned them.

 

The person on the end of the phone told me it was meant to come out every month,

I told him I was told when I got the I.D. insurance that it would only be paid yearly,

 

after about five minutes of insisting it comes out ever month

 

he finally told me it wasn’t the I.D. Insurance it was P.P.I.

 

At the time I had no idea what this was and asked him to explain it and after hearing what it was I told him to cancel it as I never asked for it or even wanted it.

 

I was then told someone would contact me about why it was being paid without my knowledge.

 

I did asked how long had they been taking it and was told since I opened the card account in 2001.

 

No one contacted me and I forgot about the whole thing until a year later when someone asked me at work if I sorted it out.

 

Phoning them back up I was again told I’ll be contacted about it,

 

around a month later I got a questionnaire form about why I think I was mis-sold P.P.I which I filled out and sent back.

I then got a later stating I would have a decision by 11th November 2012.

 

Having heard nothing I phoned them yesterday 22nd November and was told a letter was sent dated 16th but they would resend it as it never arrived.

 

The person then told me it stated they refused my claim and said there was an eight page reason as to why but it was pretty much their standard response (his words),

he stated it said that it is Barclaycard’s policy to explain everything to their customers regarding the P.P.I.

and they can find no reason to suggest that all aspects were not fully discussed with me,

therefore they will not uphold my complaint.

 

As I said at the start the first I knew I had P.P.I. was in 2011,

I never asked for it or indeed even knew what P.P.I. was until last year when I phoned them up.

 

I have a stable job that I’ve been in for fourteen years and have no reason to think I would lose the job so again have no reason for P.P.I.

 

Could anyone here give me any advice on what I do now to reclaim my money?

 

Thanks in advance,

 

James

[ims21]

Hi

 

Wait for the letter to arrive and you can then challenge them on their refusal to uphold your claim.

 

It would be useful to know what reasons you put on your questionnaire as to why you feel it was mis-sold.

 

How did you apply for the card and how long ago would you say?

[James79]

Hello and thanks for the reply.

 

I didn't apply for a Barclaycard as such. When I was in the bank putting money in, the person behind the desk asked if I wanted a Barclaycard. I remember saying I didn't have time to fill anything out and they said it was fine I didn't need to as an account holder they have my details, I said okay why not and a few weeks later it came in the post. This was back in 2001.

 

The reason I put on the questionnaire was I didn't even know I had PPI until 2011 when I phoned them to ask why my I.D. insurance was being taken out monthly. I then asked them to cancel it and put in a complaint which they ignored until I recontacted them a few weeks ago.

 

The eight page letter just turned up and it's two pages long!

It states a bit about their sale requirements at the time, then says they refuse my complaint as they cannot find any evidence to suggest that they did not give me this information or that they put me under pressure to take out the policy.

It then states this is their final response to my complaint.

 

thanks,

 

James

P.S. sorry for grammar mistakes I have a migraine right now and it's hard to focus.

[James79]

Should I try and appeal or what other line of action could I take.

 

Thanks,

 

James

[ims21]

There is nothing to stop you challenging their decision.

 

The process is to compile a letter back to them refuting any points in the rejection letter which you disagree with.

 

You can have a read of Appendix 1 of the FSA handbook which may give you some more information on things that you can use in your challenge

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?305682-FSA-Handbook

 

The other alternative is to lodge your complaint with fos but they will take a long time to resolve the issues.

[James79]

Thank you