Barclaycard PPI offer

[Shelley181146]

We are in the process of collating documents together to write to various organisations to claim charges and PPI payments.

 

To cut a long story short, how would we find out the account number to an old Barclaycard account we held back in 2002?

 

Is this something we could write to them and just provide adress details at the time of opening the account? Would that suffice?

 

Cheers

Shelley

[dx100uk]

i would SAR and include any previous names or addresses since that date

 

but barclays [esp - but any creditor]

could/will say they have destroyed any info as its over 6yrs

 

dx

[Shelley181146]

Thanks DX.

 

We are currently paying B/C through DCA by nominal payments. I thought I might try CCA first and see what that might provide. I appreciate its a longer process but depending on what information they come up with, this will still help me in the fact that the debt might not be enforceable. What do you think?

[dx100uk]

bc never send CCA replies only t&c's

 

as for un-en

 

not a viable route since the rankies case

 

dx

[Shelley181146]

Forgive my blond moment - what's the 'rankies case'?

[dx100uk]

this

[Shelley181146]

Wow! I'd rather take on B/C than the Rankines.

Thanks for that, very useful.

I guess SAR template it is then. Thank you dx.

Shelley

[Shelley181146]

My sister is quite ill and I am trying to guide her with her claims to various financial organisations in order to reclaim mis-sold PPI.

 

DSAR was sent in July and naturally, Barclays have applied their usual delay tactics and not all documentation was enclosed. The request did include T&C's for PPI, template from here.

 

A 'failed SAR' letter was sent September highlighting missing documentation but at that stage we were'nt too bothered about the agreement as we are not contesting the debt, just the PPI element.

 

Once statements had arrived, my sister drafted the spreadsheet and completed the FOS PPI questionnaire from their website and duly sent them to Barclays in November claiming the premiums plus interest in restitution.

 

Their first response was to request 'their attached PPI questionnaire' and my sister replied explaining that they had already got one completed. They have now responded with the following.

 

"We have identified that your application for PPI was submitted by post. At the point of applying for PPI, the process required you to select the specific type of cover you required. In this case, you positively selected the product. In addition we have condicted a full review of the documentationyou viewed during the sale. We are satisfied that the documentation presented accurately described the scope of the policy, and it was sufficient to provide you with all the information necessary to inform you of the terms and conditions of the policy."

 

As a result we are not able to uphold your complaint.

 

Then the usual blah,blah referring her to the FOS but they failed to enclose their leaflet which they say they had done.

 

My sisters point is; if they have nothing to hide why did they not choose to enclose a copy of the cca or her application to prove what was signed for etc?

 

Also, as she was taking various drugs to treat her Cancer, she wouldn't have necessarily absorbed the T&C's but apart from that she thinks she didn't request the PPI in the first place.

 

The debt is now being paid via a management company along with a few others so what ever she may get refunded she is happy for it to reduce the debt, if that is what is legal in these cases.

 

Should she now write for the CCA or to ICO for non compliance of documentation or something else?

 

Am I correct in thinking that if a claim is submitted via N1 claim form in court that the costs involved are based upon the original PPI/unfair charges amount, without the Interest in restitution being added?

 

Appreciate any guidance.

[dx100uk]

no just reply to bc again

 

give them 14 days before going to the fos

 

they never cough on first try

 

dx

[Shelley181146]

Hi dx,

 

Thank you for dropping in.

 

How are FOS doing lately with claims of this nature do you know?

 

Regards, Shelley

[dx100uk]

some very quickly

but bc will cough

 

you should know!

 

dx

[Shelley181146]

some very quickly

but bc will cough

 

you should know!

 

dx

 

Ha! That was unfair charges and I had got all original documents including my T&C's but my sister isn't so vigilant on keeping paperwork.

 

Would it be better if she had sight of the agreement first?

[Shelley181146]

A relative wrote to Barclaycard back in 2011 claiming mis selling of PPI which they denied.

 

 

To cut a long story short,

my relative has been pre-occupied will ill health and moved address.

 

 

However, via the new tenant, she has received correspondence from Barclaycard finally upholding her mis selling claim

but the calculations do not include interest rate charged to the original card,

 

 

albeit, they have included (some) of the over limit charges plus 8 % stat int.

 

 

We had SAR'd them back in 2010 and have breakdown of PPI payments and over limit charges etc.

 

(1) Should the interest on PPI payments be at contract rate interest, ie 24.9%?

 

(2) B/C have only included some of the over limit charges, should this include all over limit charges?

 

(3) Can someone please suggest a way forward? S

 

 

he hasn't received payment yet but if this arrives should she accept as 'part payment'

or reject subject to a 'proper' calculation being done?

 

I'm happy to fight B/C but my relative is under-going chemo at the moment

and may not have the fight in her to push for proper settlement so time is of the essence please.

 

Appreciate any assistance - thanks in advance

 

Shelley

[dx100uk]

hello shelley......welcome back

 

 

yes the PPI should be at 24.9% whilst they charged it [they 8% stat]

 

 

and yes

 

 

any charges that might not have thus been levied if the PPI had not been on the account should be included.

 

 

theres an FCA or one of those orgs posts somewhere that details why charges now can form a part of a PPI reclaim.

[dx100uk]

http://www.bbc.co.uk/news/business-27679311

[Shelley181146]

Hello dx,

 

Thank you for your speedy response, as usual.

 

So, does that mean that in all previous cases whereby the banks haven't calculated late fees etc within the PPI calculations,

those claimants have lost out or can they go back and request for a review?

Or is this a new thing since FCA have taken over from FOS?

 

I presume this is for lump sum PPI premiums as well as monthly PPI premiums?

 

Apologies for the stupid questions this time of the morning

 

Thanks for the link to the news feed - will read it through tomorrow

 

Shelley

[dx100uk]

it appears there are ceratain banks that 'should' be contacting people.

 

 

if this extends to other like issues

at present, its unknown

but I'd be trying!

 

 

also , obv, caters for PENALTY charges outside of 6yrs too!

 

 

dx

[Shelley181146]

it appears there are ceratain banks that 'should' be contacting people.

 

 

if this extends to other like issues

at present, its unknown

but I'd be trying!

 

 

also , obv, caters for PENALTY charges outside of 6yrs too!

 

 

dx

 

Guess I should be writing to Crap One and a few others then? That will be a nice little surprise for them when they get my letter.Lol

[Shelley181146]

If I have got the following clause in a Tomlin Order from a case settled for PPI where charges were at that time refused, will I still be able to go back and now claim said charges in light of the above information?

 

The Parties agree that the Settlement Sum is paid in full and final settlement of all

claims between them arising out of or in connection with the facts and matters in

dispute in these proceedings

 

Shelley

[Shelley181146]

Would someone help me with #7 please?

[dx100uk]

facts and matters known at the time of the case me thinks.

 

 

the goalposts have moved and not by someone silly, but the very people that govern things financial

 

 

IMHO it should be reviewed again

 

 

I suppose there would be no harm in asking the FCA?

[Shelley181146]

I agree dx but should I telephone the FCA or write to them?

[dx100uk]

wont hurt to phone and ask I'm sure

 

 

if you need to write then they'll advise

 

 

dx

[Shelley181146]

What a blond moment.....why didn't I think of that?

 

How will this new information reflect on an account with zero PPI but had unfair charges? Will they be eligible to claim? I will ask FCA when I call and let you know.

 

Appreciate your assistance.

Shelley

[Shelley181146]

facts and matters known at the time of the case me thinks.

 

 

the goalposts have moved and not by someone silly, but the very people that govern things financial

 

 

IMHO it should be reviewed again

 

 

I suppose there would be no harm in asking the FCA?

 

Well I have spoken to FCA and explained but they said as they do not have any policies which cover this!

They suggested I called FOS. I spoke to FOS and gave them the many scenarios I have involving this new information and they have advised that we contact the original bank/credit card company in the first instance and give them the opportunity to deal with our claim. So for now, I will get working on drafting my new claims and get them off and see what response we get.

Will keep you posted.

Thanks for your help dx