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Help with Barclaycard PPI refund offer.


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I have tried searching on this thread to see if someone else has posted this query before but have not been able to find anything. So apologies if this issue has been raised before.

 

I recently made a complaint for the mis selling of PPI on my mothers Barclaycard which she had between 1998-2011. Now barclays has written to us with a final decision letter stating they are upholding the complaint and have offered £768.41 as a refund. I know that this is nowhere near enough the money my mother is entitled to as in the early 00s she was using the credit card like nobody's business and did actually run into a lot of debt because of this, but thankfully that has been payed off.

 

On the final decision letter barclays have stated that they have been unable to accurately calculate the refund because their investigation has been unable to find any record of the premiums she paid. So they have used an average value for the premiums paid based on someone who was sold a comparable policy. They have said they are happy to to recalculate the refund if she is unhappy with it. How would I go about proving that this refund a lot less that what my mother is owed. I have read up on SARs is it true the banks can only go back 6 years for any statements? My mother herself has not kept any statements for the card.

 

How can I go about disputing this offer if i have no proof of the payments made?

Also I didn't get a chance to read the final response letter from Barclays until a week later but by then they already put the money into my mums account, does this mean that barclays see this as acceptance of the refund and the case has been closed?

 

Any help regarding this would be much appreciated! Thank you.

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You normally have 6 months from the date of the final response letter (FRL) to take the matter up with FOS (they should have told you what rights you have at the bottom of the letter).

Although FOS normally only deal with cases that were taken out after the 14th January 2005, they have been known to take on a case that although the PPI was enrolled before this date, it was still being paid for a fair few years after it.

You nay also be able to contact the Finance and Leasing Authority (FLA) if Barclaycard were members at that time. Barclaycard should also have a Customer Care Manager who would review the details of your case if you are not happy with the result.

 

Did they give you any sort of breakdown on how they reached the figure of £768.41?

 

James

I used to be a Motor Insurance Claims handler, but due to redundancy I am now a Complaint Handler for a company that sold PPI

Please excuse any spelling or gramatical errors as I may be good at dealing with PPI claims, but I am C*** at writing

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Hi annisa, Ive just had a refund from Barclays re PPI. Did you get a letter in which it outlines how theyve broken the refund down? If not, Ive put mine in my thread ]Barclays, PPI, and Linked Cards so all can see how they arrive at their monetary descision.

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the breakdown is as follows:

Refund of payments made by you for PPI cover based upon comparable policy: £374.18

Refund of interest charged on PPI premiums charged on a comparable policy: £201.47

8% Interest statory compensation: £240.94

income tax deduction: £48.18

total refund payable: £768.41

 

Thank you for taking the time of to reply guys, I have decided to try my luck and do a SAR to get the previous statements, if this fails then I guess off the FOS i go :)

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  • 1 month later...

So I finally received the SAR from Barclays and they have sent me copies of the credit agreement between my mother and Barclays, but have only provided me with statements going back to 2007. Does anybody know of a way to get them to send me the statements for earlier than that please?

 

Thanks

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Just ask them for all the statements that they have prior to 2007 (if they still have them).

The company that I work for kept statements going back to 2009, but this year they now only go back to 2010 as legaly they only have to keep them for 6 years, but in saying that, every company is diffirnt and Barclays may go back as far as when the agreement started, but it could be that they only hold records from 2007.

 

Sorry I couldn't be more helpful

 

James

I used to be a Motor Insurance Claims handler, but due to redundancy I am now a Complaint Handler for a company that sold PPI

Please excuse any spelling or gramatical errors as I may be good at dealing with PPI claims, but I am C*** at writing

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  • 2 weeks later...

I think Barclays keep data going back 10 years, so you may not get much more. No harm trying though. You never know ......

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?50946-AllanLyn-v.-Barclays

 

Have a look at this thread, barclays microfiche system was deemed a "relevant filing system" for the purposes of the data protection act request by the ICO

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GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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I had (have) a Goldfish claim that I got paid 800 pounds from Barclaycard recently. In the settlement letter they stated that the card started in Novenber 2002, but they did not have records from nov 2002 to december 2003... So, they estimated the amounts. Fortunately I found all my old statements going back to May 1999 and its currently with them. The point of writing is that when I knew how much I was being offered (like the original poster above) I had a pretty good idea it was nowhere near enough... Good luck

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Of course it wouldn't be Rachel, damage limitation exercise as you would no doubt have been required to sign a full and final settlement.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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