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Hi I'm in the process of a PPI claims

 

I'm using a company called black pearl claims

but wish I didn't now

 

I've done most of the work well not much work really just answering questions

 

Barclay card ask is there a way I can get rid of black pearl claims and continue conversation from Barclay card on a policy back in January 4th 1999

 

I can't remember the details of the policy and documents of employment or savings etc I haven't got

 

can I claim by myself and get rid of black pearl as it's supposedly at decision makers and if I get money they want 30% + vat if successful

 

all I know of the policy is covered illness as to what I don't remember it was 16 yrs ago

 

Hi guys I'm in the process of 2 PPI claims one with Barclay card and the other Capital one both started by Black Pearl Claims Ltd .

 

I was just wondering if I could pull the plug on Black Pearl Claims as they are charging me 30%+ V.A.T

 

I'm the one in conversation with Barclay Card trying to answer Barclay Card questions

like how much savings I had a the time and my employment status etc

 

the claim is from January 4th 1999 and can't provide the documents for Barclay Card for how much money coming in and savings etc as to far back

 

,it's now at decision makers with Barclay Card apparently

but still keep asking these questions after many phone calls giving this information while Black Pearl sit back and wait.

 

All I want to know is two things

 

1 can I pull the plug on Black Pearl and

 

2 without the documents of money coming in and savings Barclay card asking for have I got a claim?

 

Some details of claim is I had a £2000 credit card with some sort of insurance that covered me when I come out work policy took out January 4th 1999

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Hi guys I'm in the process of 2 PPI claims one with Barclay card and the other Capital one both started by Black Pearl Claims Ltd .

I was just wondering if I could pull the plug on Black Pearl Claims as they are charging me 30%+ V.A.T and I'm the one in conversation with Barclay Card trying to answer Barclay Card questions like how much savings I had a the time and my employment status etc the claim is from January 4th 1999 and can't provide the documents for Barclay Card for how much money coming in and savings etc as to far back ,it's now at decision makers with Barclay Card apparently but still keep asking these questions after many phone calls giving this information while Black Pearl sit back and wait.

All I want to know is two things 1 can I pull the plug on Black Pearl and 2 without the documents of money coming in and savings Barclay card asking for have I got a claim?

Some details of claim is I had a £2000 credit card with some sort of insurance that covered me when I come out work policy took out January 4th 1999

 

Impossible to give much advice based on this information. You need to check the terms of your contract with Black Pearl. If it does allow for cancellations, it will only allow them up to the point a final decision is received and you may find it levies an extortionate "admin" or "service" charge.

 

As for point (2) what were your grounds for complaint? It is impossible to advise on this without knowing what you have complained about. If you don't know then it probably means that Black Pearl just sent a typical CMC template letter alleging allsorts on your behalf. In this instance it is a lottery since you don't know what they've said, your own answers may completely contradict it, or they may find another reason to uphold the complaint based on their own records.

 

 

If you can't remember the answers to the above questions then it doesn't necessarily mean your complaint won't be successful, however, it rules out uphold on the grounds of ineligibility (since you don't know what job you were doing) or (in the event of an advised sale) that you didn;t need the PPI (you don't know what your employment, income or savings were).

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My complaint is that I didn't ask for the insurance or need it at the time let alone when I came out of work I never got any kind of insurance of them after I told them I came out work I have told them where I thought I worked at the time and under terms of conditions is I can cancel unless I have received the money so yes I may have answered my own question there but what effect would it have on the claim if i cancel Black Pearl?oh and lastly the last thing I heard from Capital one is they needed signature so I sent a copy of my signature two weeks ago.

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My complaint is that I didn't ask for the insurance or need it at the time let alone when I came out of work I never got any kind of insurance of them after I told them I came out work I have told them where I thought I worked at the time and under terms of conditions is I can cancel unless I have received the money so yes I may have answered my own question there but what effect would it have on the claim if i cancel Black Pearl?oh and lastly the last thing I heard from Capital one is they needed signature so I sent a copy of my signature two weeks ago.

 

It would not have any impact in the slightest. Banks treat CMCs with something between freezing courtesy and utter contempt. They will be glad to dealing you directly as it will make them more confident they are getting the truth rather than a fairy story.

 

As for not asking for it, this will depend on what their investigation unearths. I have seen cases where people have sworn blind to this, only for a sighed application or call recording to be turned up proving they did. Assuming not and if you sound credible and believable you are in with a decent shout. Unfortunately the bit about not receiving payment when you came out of work won't help, this wasn't at the point of sale but later on and you would have had to contact the insurer and claim on the policy (not to mention that it won cover all loss of work anyway, obviously I don't know your circumstances but it wouldn't cover voluntary resignation or dismissal through misconduct).

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Thanks Hort what action should I take now I'm unsure what to do next never done this before ?

 

I suggest letting both the bank and the CMC know via both telephone and recorded delivery post that you are dispensing with the services of the CMC.

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update... Cancelled Black Pearl Claims.

This morning I noticed £490 went in the bank no info on statement just 13 numbers and automatic pay in could this be my PPI? as Barclaycard did take my bank details in previous conversation if it is why haven't they told me so I could argue it or agree I thought they gave you offers first before settlement I'm confused HELP!

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They hope you don't question if its correct

 

Dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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that's what I thought dx but still not sure at the moment if it is them waste of time asking the bank there useless RBS also I'm pretty sure it should be 2 yrs worth as Barclay Card did say they can only go back to 2001 yet the PPI was put on in January 4th 1999 the amount doesn't seem much for 2 yrs but then I haven't got a clue on these things

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UPDATE yes the £490 is my Barclaycard but I have not recieved any letters saying how it's calculated or anything should I SAR them or wait?

 

There's no point SARing, it won't tell you anything of relevance. Just ask them for an explanation of the amount and how it is calculated.

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thanks Hortz for replying i'll ring them tomorrow .

Another query I've recently cancelled Black Pearl but they were persuing Capital One credit card account but I've had no contact from Capital One to get account number or reference number to persue them myself any ideas?

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Is the card stilll listed on your credit report??

 

Might give the info

 

Dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thanks for replying dx100uk the credit file I have only goes as far as 2004 and it's not on that

 

thanks for the quick response d100uk the only credit report I have is with noodle used to have one with Experian but cancelled it anyway the credit reports I hae only go as far as 2004 and the card is not on there

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thanks Hortz for replying i'll ring them tomorrow .

Another query I've recently cancelled Black Pearl but they were persuing Capital One credit card account but I've had no contact from Capital One to get account number or reference number to persue them myself any ideas?

 

Contact them yourself and ask for the details. Then just write to them outlining what your reasons for complaint are.

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this is what I got this morning from Barclaycard no offer just straight into bank.Does this amount seem right for 2 yrs insurance January 4th 1999 to 2001?

 

This is all totally dependent on your card balance and the amount you paid in premiums between those dates.

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which department of Capital One do I ring up to get the information and what do I say to them I have no statements or any kind of documents I just know I was self employed when I had the card but not sure when I got the card either

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