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janiswhyme2

Barclaycard Previously Egg - PPI Claim Turned Down

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Hello Again,

 

This site was so good last time in helping me with some problems I had been having with a most dubious debt recovery firm

that I thought I would come back and ask for further debt advice in trying to reclaim PPI on an old Egg/Barclaycard

for a friend of mine and hope that the very kind people here will offer me some further advice.

 

Chatting with a friend of mine a few months ago, we were discussing PPI refunds and to my astonishment,

she told me that "she was still paying PPI on her Barclaycard and had never bothered to try to reclaim or cancel this"

- well to say that I was amazed is an understatement and said that having had a few dealings with banks and credit card companies

over the years that not only was she insane to take this attitude, especially as she has small children

and is not particularly affluent, but I would be happy to take this on for her and try to reclaim it for her.

 

She had the credit card with Egg initially and cannot remember ever being given advice by the company on any aspect of the PPI insurance

when applying for the card or memory of even ticking the box to apply for this.

She is and has been before the card/PPI application, employed in quite a good job that pays three to six months sickness benefit

and she has no real history of claims for long term sickness benefit throughout her ten or so years at the company.

The company look after their staff, pay private health insurance for them and really,

there is no real benefit to her whatsoever in having PPI, now or when she initially started the account with Egg,

 

In her statement when I sent this to Barclaycard on her behalf a few weeks ago now, she wrote -

 

"I took out the credit card many years ago with Egg and had no idea that I was paying PPI.

I don't remember it being sold to me but if it had been offered, I would have had no need for this and would have declined the cover.

The first time I was aware of paying it was when I received a statement from Barclaycard that every month I am paying this insurance.

This was within the past few weeks.

 

I have absolutely no need whatsoever for this insurance and am certain that it was neither offered to or agreed by me at any point.

It might be the case then when Barclaycard took over the card from Egg, they added the PPI without my knowledge or consent"

 

They replied back in the middle of April to say that she applied for PPI protection on Egg's website when she initially took out the card in 2003

and they were not upholding her appeal as they had viewed the documentation she saw when taking out the PPI

and this was clear and accurate and that was their final response on the matter.

She had not spoken to any representative and therefore had not been badly advised in any way they felt.

 

Here things become a little contradictory to say the least.

I wrote (in her name) to say how disgusted I was at this decision and wondered why with all the bad publicity PPI has had over the years,

how they could morally justify continuing to take this from their customers,

knowing how flawed this insurance had proved to be. Barclaycard wrote back to say that

"no additional information had been received and therefore they were still upholding their original decision

but wished to confirm that the PPI policy was cancelled at the end of November 2011"

- something which was never confirmed or even communicated to her, either verbally or in writing.

 

Very interestingly, she then received an "Annual Review of Optional Payment Protection Insurance on your Credit Card" dated November 2012

informing her that she had paid £300+ at an average of £27.00+ over the past year up till that date.

So it would appear from this that the PPI was still being taken a year after it was stated to have been cancelled by Barclaycard

and despite a further letter from me on her behalf, no confirmation has to date been received to say that this PPI payment is still being taken or has actually been cancelled by them.

 

I love a fight and want to take this all the way.

Am I right in thinking that my next move should be a SAR request and what do you think

a. my next step on her behalf should be after that and

b. our chances of getting her money back here after her paying PPI for at least ten years on the account.

 

Many thanks for reading this (sorry it is somewhat longwinded) and any help will be greatly appreciated indeed.

 

Janis x

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type in egg PPI in the search of our grey toolbar up top.

 

it is a well known fact that the PPI box was pre ticked online.

 

perfect response

 

they know that too.

 

many examples of claims succeeding

 

as for the speculation as to their processes were foolproof

 

'mere speculation'

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?378821-LloydsTSB-Loan-PPi&p=4120422&highlight=ppi+success#post4120422


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I'm also impressed that most people who send an SAR for data 10 yrs old get a repsonse that it doesn't exist anymore. However, they seem to say that they have all of the info.

 

Send the SAR. See what it brings back.

If they happen to say that they don't have anything that far back then you have a basis for causing some serious trouble. Don't rattle any cages until you have a response to the SAR. Do nothing else for the mo.

Let us know

  • Confused 1

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Thank you gentlemen. Really appreciate you taking the time to reply to my request for advice. The SAR request letter is written and will be posted tomorrow. I will certainly let you know how I get on when they get back to us.

 

Thank you once more.

 

Janis x

Edited by janiswhyme2

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Hello again,

 

Well things are shall we say, starting to get interesting - or confusing, being another way to look at it.

 

I wrote to Barclaycard on my friend's behalf at the end of June and

 

she has just passed me a letter (dated 14th July) stating that although

"you were previously advised that your PPI policy was cancelled on ** November 2011,

please accept my apologies,

I can confirm that your policy was sold on ** November 2003 and remains active on your Barclaycard.

 

I note that you made a previous written request to cancel this policy but must advise you that this must be done by phone by contacting Barclaycard General Services on -------"

 

Well to say that I am shocked and totally bemused by this letter is an understatement indeed.

 

They are telling my friend (in a nutshell) that although they have already written to her to advise that the PPI policy was cancelled back in November 2011,

this was not actually accurate and this is still live and she is still paying PPI charges.

 

Not only that but they had received a letter (from her but written by me in early June) advising that all PPI payments were to be cancelled with immediate effect

to which they replied stating that (now they say inaccurately) that her PPI was actually cancelled back in November 2011,

something inexplicably they now say is not the case and the PPI on her account is still live

and they will not actually cancel this until she phones their General Services Department

as they cannot accept a letter of cancellation and this is the only way to do this.

 

Frankly I have never heard of anything so cockeyed in all my life.

 

They write initially saying the policy is cancelled then write (with no explaination) to say that no, this is not actually the case

and the PPI protection is still running and can only be cancelled by a phone call.

 

Since when did a phone call take precedence over a letter that clearly states that a person's desire and wish to cancel a PPI payment?

 

Can this be right or are they making this up as they go along to be deliberately obstructive or are they just simply incompetent?

 

Surely they have dug a hole for themselves here by stating a policy was cancelled yet then write to say that this was wrong and "you are actually still paying this"?

 

I have applied for the SAR for her and await this.

 

Any advice on the above will be greatly appreciated please gentlemen.

 

Many thanks indeed.

 

Janis

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Yes, this is pretty amazing. I am 99% certain that so long as you bring your intention to cancel to the notice of the other side in some form or other then that notice is effective when it is communicated - subject to any reasonable notice period.

I don't think that the bank has any basis for refusing notice in any form unless they can show that it some way or other it is impracticable to receive or to act upon a termination notice in some specified form.


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Hello again,

 

All this is still going on and just recently my friend received her SAR back from Barclaycard

but despite the fact that she has been paying this since 2003,

the details they provided only went back to December 2011.

 

Is this perhaps due to the fact that this was Barclaycard bought Egg and are they liable for PPI that has been paid to them and not Egg?

 

What I am wondering is if my attempts to reclaim her PPI might hit a full stop prior to the date Barclaycard swallowed up Egg

or is it still a possibility that I may be able to claim all the way back to 2003 for her?

 

Any advice would be greatly appreciated indeed.

 

Many thanks.

 

Janis x

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you should be able to hit BC for it

 

you could try the Canadian square address for EGG

 

and sar them?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thank you Dx.

 

My friend also had a letter from Barclaycard offering just over £700 back from them for PPI (no breakdown given)

plus she is being sent £100 "for all the troubles she had had in reclaiming her money"

so we were wondering if Barclaycard were just making this offer for the money that had been paid to them

and. perhaps the Egg part of things would be a separate claim?

 

I have to say that a return of £700+ to somebody who had paid PPI since 2003 would very very poor if it was to include the Egg PPi

yet if she accepted this, would it jeopardise any further claim or chance of getting anything back from Egg should she accept this cash now?

 

Do you think that this offer only goes back to December 2011 and is Barclaycard's genuine offer to pay off their part

and the other PPI will have to come via Egg (or Canada Square Operations as they are now known) as to be honest it is somewhat confusing.

 

Many thanks

 

Janis x

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I would not be accepting any part offer

 

have a read of a few of the other eGG reclaims

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Barclaycard have said that this is their final offer so

 

when you say do not accept any part offer, am I to understand that if I turn this down (on my friend's behalf) that we might lose everything if things do not go our way?

 

Why have Barclaycard only sent SAR information from December 2011?

 

Are they only liable from that date and is it going to be that we will have to make a separate application to Egg as I looked on their website

and it said that claims had to be made via Barclaycard.

 

There are eight more years that she has been paying PPI and surely the figure of I think £730 is a very poor and unrealistic return for this.

 

The latter she received was dated 4th September and that if "they did not hear back a cheque for this amount would be sent" although they did not specify a time frame.

 

I am quite confused tbh and wonder if you could perhaps explain things and make it a little clearer for me please?

Edited by janiswhyme2

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I have to write this letter today to Barclaycard in response to this offer of as I now find out, £736 as a supposed final offer. The way I now understand it is that Barclaycard are also liable for all the PPI payments to Egg before they took this over. Am I right in thinking this and if I turn this offer down for my friend, is there a chance that she might end up with nothing?

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sri been busy...

 

was this the first[and only] fob - off letter from BC?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yes Dx, the first one sent

 

- all along they have been saying that because the box was ticked online that they did not uphold the appeal.

 

This was a letter that turned up completely out of the blue and obviously quite surprising due to their previous stance on the matter.

 

The fact that several pieces of information they gave us were wrong (including saying that PPI had been cancelled, then writing and saying this was not actually the case)

 

then saying they would not accept the cancellation by letter and my friend would have to telephone them before thet would action this may have swung it maybe?

 

Once again, I feel that this is a derisory offer but will we lose this if there is nothing else forthcoming from Egg?

 

I am really confused here and need the letter to be sent today.

 

Help please...

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never ever stop at the first fob off letter

 

refute their claims

 

line by line.

 

it is well known that the egg website refused to let people continue unless the box was ticked.

 

you REALLY need to go read some EGG PI reclaim threads

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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The way I now understand it is that Barclaycard are also liable for all the PPI payments to Egg before they took this over. Am I right in thinking this ?

 

I'd like to know this for sure too. My Egg card was from 2003ish and I was fobbed off by Egg too saying the box was obviously ticked by me.

 

But since the account was sold to BC they (BC) just refuse to communicate on this, literally just ignoring our letters. If you speak to them on the phone they say "there's a letter coming" etc but nothing materialises.

 

With regards to your SAR janiswhyme2 you are correct in that you will need to SAR Egg I believe as BC will only hold info on you from the date they took the account over IMO. I'm sure someone will correct if that's wrong but that's my understanding.

 

Mike


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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