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Hi All,

 

I recently put in a PPI claim from Barclaycard as they sold me a PPI policy on a university campus in 1996. I was under the impression that this was too long ago to claim. I basically told them that the girl who sold it advised me to take it out as it would mean I would have a better chance of getting the card. I had the card for about 10 years and for a long time had a balance of around 11k.

 

So I put the claim in with the following reason in Section E of the form

 

"The sale took place on the campus of Leeds University. It wassuggested verbally that if I took the insurance then the application wouldhave more chance of being successful. At the time I did not know this would nothave been the case and am horrified to think I was misled in this way"

 

A couple of weeks later I got a call from Barclays who said that they just wanted to confirm some details about who I worked for when I had the card. I mistakenly gave them different details to the ones on the form as I was going back to Uni as a mature student and changed jobs around that time. I didn't realise I had given them the wrong details until I just reviewed the form now.

 

Last week I got a letter from them stating they were refusing my claim on the basis of the following. This is an exact copy of what they have written - ~I don't even understand it as it seems to make no sense:

 

First bit does make sense but is factually wrong.

 

"In your complaint you feel you were:

given misleading or inaccurate information about the policy"

 

The second bit which is confusing:

 

"We have identified that your application for PPI was submitted post. At this point of applying for PPI, as no advice was given the process required you to select the specific type of cover required. In addition we conducted a review of the documentation you viewed during the sale. We are satisfied that the documentation presented accurately described the scope of the policy, and was sufficient to provide you with all of the information necessary to inform you of the terms and conditions of the policy.

 

As a result we are unable to uphold your complaint"

 

So - I didn't fill in the form. The girl that stopped me on campus filled in the form - I signed it and that's all I remember.

 

Is it likely they are just fobbing me off ?

 

Should I take it further with them, SAR them or just go to them ombudsman ?

 

Any pointers ?

 

Thanks

 

Hamish.

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If it were me I would challenge them direct. FOS will take an age.

 

Point out their inconsistencies and that they could not possible have investigated this properly otherwise they would know that it was not a postal application.

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Hi All,

 

I recently put in a PPI claim from Barclaycard as they sold me a PPI policy on a university campus in 1996. I was under the impression that this was too long ago to claim. I basically told them that the girl who sold it advised me to take it out as it would mean I would have a better chance of getting the card. I had the card for about 10 years and for a long time had a balance of around 11k.

 

So I put the claim in with the following reason in Section E of the form

 

"The sale took place on the campus of Leeds University. It wassuggested verbally that if I took the insurance then the application wouldhave more chance of being successful. At the time I did not know this would nothave been the case and am horrified to think I was misled in this way"

 

A couple of weeks later I got a call from Barclays who said that they just wanted to confirm some details about who I worked for when I had the card. I mistakenly gave them different details to the ones on the form as I was going back to Uni as a mature student and changed jobs around that time. I didn't realise I had given them the wrong details until I just reviewed the form now.

 

Last week I got a letter from them stating they were refusing my claim on the basis of the following. This is an exact copy of what they have written - ~I don't even understand it as it seems to make no sense:

 

First bit does make sense but is factually wrong.

 

"In your complaint you feel you were:

given misleading or inaccurate information about the policy"

 

The second bit which is confusing:

 

"We have identified that your application for PPI was submitted post. At this point of applying for PPI, as no advice was given the process required you to select the specific type of cover required. In addition we conducted a review of the documentation you viewed during the sale. We are satisfied that the documentation presented accurately described the scope of the policy, and was sufficient to provide you with all of the information necessary to inform you of the terms and conditions of the policy.

 

As a result we are unable to uphold your complaint"

 

So - I didn't fill in the form. The girl that stopped me on campus filled in the form - I signed it and that's all I remember.

 

Is it likely they are just fobbing me off ?

 

Should I take it further with them, SAR them or just go to them ombudsman ?

 

Any pointers ?

 

Thanks

 

Hamish.

 

Its a fob off as you suspect. Spend 10 quid on a SAR getting as many of the old statements as you can and search your house and attic to find any you have. Complete the spreadsheets provided on the site and put in your claim to FOS. I've just got mine back after B/C said I had no claim its their standard delaying tactic

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Hi

 

Thanks for the quick response - I just called them and the woman I spoke to was very helpful. It turns out that as I was a full time student I shouldn't have had PPI at all, something I never knew and would seem to strengthen my case. She also had no idea why they called me when the information they were seeking was plainly on the complaint. The complaint now goes back to be looked at again which is good news. I'll keep you all posted.

 

Hamish

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  • 3 weeks later...

Wow.

 

Barclays have refused my claim again despite my status as a full time student at the time of the application.

 

Spoke to the person on the BC helpline who advised me to go to the FOS.

 

:mad2:

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