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Baz1994

Morgan stanley/barclaycard cpp refund

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Hi hope someone can help.

 

I had a CPP for the above in which I have been successful in reclaiming.

 

The only thing is I have today received a statement and Barclaycard have deducted protection amount owed from balance,

Tax amount and also the simple interest amount ?

 

The card was suspended a couple of years ago (due to another barclaycard account that I had problems with)

and I always make the regular minimum monthly payments that are due on this account.

 

I have had no contact from them regarding what they have done

or any further contact from Card Protection Plan Limited.

 

Is this correct what they have done as

 

I thought that any interest less tax should have been returned to me and not applied to the account ?

 

Its not a large amount but its the principle of the matter that concerns me.

 

Apologies if I have posted under wrong section.

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are you saying CPP have settled your claim?

 

didn't think they were doing anything till atleast august 2014


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are you saying CPP have settled your claim?

 

didn't think they were doing anything till atleast august 2014

 

That's what I thought but I have received a statement deducting mentioned amounts ? If that's the case should they have not applied the simple interest amount ?

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the refund of CPP from CPP goes direct to you.

 

sure this is not Barclays that have refunded you

was the CPP from before 2005


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the refund of CPP from CPP goes direct to you.

 

sure this is not Barclays that have refunded you

was the CPP from before 2005

 

Again thats the mystery no correspondence regarding it just a Barclaycard statement received today showing amounts ? I had previously completed CPP details regarding a Morgan Stanley Credit Card pre 2005 but had not heard anything more since.

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were you sent a recent cpp reclaim form under the agreed scheme and filled in and returned it?(all sales/renewals from jan 2005)


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were you sent a recent cpp reclaim form under the agreed scheme and filled in and returned it?(all sales/renewals from jan 2005)

 

Yes I did and I returned it to CPP

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yes barclaycard have paid you (deducted) on behalf of CPP as per the scheme arrangement. You now need to reclaim all amounts paid prior to jan 2005 with associated interest from barclaycard


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yes barclaycard have paid you (deducted) on behalf of CPP as per the scheme arrangement. You now need to reclaim all amounts paid prior to jan 2005 with associated interest from barclaycard

 

OK thanks. Do I just sent Barclaycard a letter to that effect ? Is there a template letter do you know ?

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Use the reasons for mis-selling that you put on your reclaim form, and enclose a spreadsheet using the in t rate they charged on your card as per ppi reclaim

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Use the reasons for mis-selling that you put on your reclaim form, and enclose a spreadsheet using the in t rate they charged on your card as per ppi reclaim

 

Thanks again. Sorry for further questions but how is the interest calculated / applied ? Per year since I've been paying it ?

 

I paid a yearly amount of £20 from 1999 to 2005 when barclays took on account and it was cancelled.

 

Figures on statement are CCP £76.00 CR plus £70.64 CR for Simple interest and £14.13 DR in respect of Tax.

 

APR is 19.16%

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the scheme only refunds from jan 2005 so have you paid £76 in premiums from jan 2005, otherwise it doesnt make sense, because at £20 per year you would have paid £120 in premiums pre 2005


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the scheme only refunds from jan 2005 so have you paid £76 in premiums from jan 2005, otherwise it doesnt make sense, because at £20 per year you would have paid £120 in premiums pre 2005

 

Sorry for confusion but that's why I am asking. I will contact Barclaycard for an explanation anyway but the payments were pre 2005 hence mentioned in CPP letter a while back and that Barclaycard would be contacting me.

 

The policy was cancelled by Barclaycard in 2005 when I had difficulties with my other card and account was suspended. I still make minimum payments and it seems that they have applied refund amounts to my balance outstanding.

 

They have applied simple interest to amount but is this correct ? Should the APR also been applied ? Is there a spreadsheet template that I can use that will calculate correct amounts owing ?

 

And finally as the card account is suspended, should the interest amounts less tax be returned by cheque to me and not to account ?

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Sorry for confusion but that's why I am asking. I will contact Barclaycard for an explanation anyway but the payments were pre 2005 hence mentioned in CPP letter a while back and that Barclaycard would be contacting me.

 

The policy was cancelled by Barclaycard in 2005 when I had difficulties with my other card and account was suspended. I still make minimum payments and it seems that they have applied refund amounts to my balance outstanding.

 

They have applied simple interest to amount but is this correct ? Should the APR also been applied ? Is there a spreadsheet template that I can use that will calculate correct amounts owing ?

 

And finally as the card account is suspended, should the interest amounts less tax be returned by cheque to me and not to account ?

 

Just to up-date situation, I have today received refund cheque from CPP for post 2005 period.

 

I contacted Barclaycard regarding pre 2005 period, as previously explained regarding additional Credit Card statement received deducting CPP amounts from balance including simple interest.

 

My question again is should the Simple interest amount have been refunded to me ?

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yes for the si,in addition you should be seeking associated interest at the rate you were charged to be refunded


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yes for the si,in addition you should be seeking associated interest at the rate you were charged to be refunded

 

Thanks for the response oldrouge.

 

Sorry for silly question but how do I calculate associated interest amount ? Statement reads as follows :-

 

Cr Simple Int £70.64

Cr Card Protection £76.00

Dr Tax £14.13

Int on cash Balance 2.00% £5.55

Int on standard Balance 1.597% £10.31

 

New Balance £1,004.28

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use this spreadsheet FosCISheet v101.xls


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Apologies if I have posted under wrong thread but wanted to advise the following and perhaps someone can enlighten me before I respond to Barclaycard.

 

I was successful in reclaiming CPP (CPI) for the above mentioned

only due to the fact that I noticed a refund on my latest statement

but no explaination from Barclaycard ?

 

I decided to chase and request details and breakdown of refund amount.

 

Today I finally received a letter from Barclaycard apologising for not explaining calculation of refund

and prior letters being sent to me (in which have now been enclosed dated February 2014)

and confirmation that refund has been made.

 

What annoys me is that

they are saying that because I hadn't responded

(but how could I when letters had not been sent, requesting way of refund)

they deducted from account ????

 

Mind you they have given me a goodwill gesture of £50 for the inconvenience

but again they will deduct from my account.

 

Am I still within my rights to request that they return by way of payment to my bank ?

 

Its not a large sum but still around £185 but would rather have the cash than reduction of card balance.

 

Also they have advised that Barclaycard apply 8% simple interest

as it is not a company policy to award compound interest for such complaints.

 

Is this correct does anyone kindly know ?

 

Should I request details where in their policies does it state this ?

 

I'm not looking a gift horse but the difference in refund is in the region of £600

 

I don't really want to go to FOS at moment so any advice would be appreciated before I respond or accept their offer.

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Do you have any arrears on the account ?


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Do you have any arrears on the account ?

 

Thanks Citizen - No not on this Morgan Stanley / Barclaycard account but it has been suspended due to another Barclaycard account that I have an Payment Plan arrangement with.

 

And can you confirm if its simple interest and not compound ?

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unless they can prove it didn't have compounded

 

I bet it did

esp as it appeared on your statements.

 

so the morgan stanley card had an outstanding balance then?

 

dx


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unless they can prove it didn't have compounded

 

I bet it did

esp as it appeared on your statements.

 

so the morgan stanley card had an outstanding balance then?

 

dx

 

Yes it did and was taken over by Goldfish then Barclays, in which I have been maintaining requested monthly payments.

 

What should I do regarding 8% simple application - Should I dispute it with barclays first asking for clarification of said policy or should I go to FOS ?

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ok well sadly they are entitled to off set then

if there is an outstanding balance

on the card it was levied upon.

 

can I just check something...

 

was this CPP as in terms of:

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?356-CPP-Group-Plc

 

or was it Barclays own policy


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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ok well sadly they are entitled to off set then

if there is an outstanding balance

on the card it was levied upon.

 

can I just check something...

 

was this CPP as in terms of:

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?356-CPP-Group-Plc

 

or was it Barclays own policy

 

Oh ok but might have to give them a call about it anyway, as contact has given me her details to discuss further if need be.

 

Good question and sorry to sound stupid but not really sure. The letter just states Card Protection Insurance (CPI) complaint on your Barclaycard account but prior to January 2005.

 

I have already received a refund cheque from CPP for post January 2005.

 

Do you know if the application of 8% interest is correct ? If so should I have not received amount (not against balance) less tax, and premium refund deducted from card balance ?

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due to the weak agreement to resolve the cpp issue,it was agreed interest was only refundable at 8% and BC seem to have followed this, although obviously you were charged compound interest on your account. The 8% should in any case have been refunded to you less 20% tax which you can reclaim if a non taxpayer. Personally I would argue it out with BC on both counts


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