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Hello ,

 

I am just wondering if someone can help me out here

 

i was mis sold PPI from barclays in 2004 (i was unaware of this fact) however they have sent me a letter to respond by 26/11 asking if i had any sickness benefits & any redundancy pay & if so the details

 

Now i have tried umpteen number of times to get the details but unable to get these details how do i go about responding back to barclays ...

 

Any suggestions will be much appreciated

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Hello and Welcome,

 

Did you get in touch with them regarding the PPI.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Then simply answer no, not to your knowledge

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Spml Reluctantly withdrawn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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need to find out how they started the ppi reclaiming and what the OP posted first to Barclays

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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I think dx was replying to my post

 

OP is Original Poster

 

Would be helpful if you could flesh out the full story and upload a redacted copy of this letter in pdf format please

Edited by martin2006

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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how did you first start the PPI reclaim

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 martin,

 

 

I filled up the questionnaire on Barclays website & they called me in a weeks time to ask the same questions & then sent a letter to confirm this again

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Can you also scan and upload the redacted letter please?

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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Share on other sites

i would be sending them an FOS CQ

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

as with all banks

they are looking for a way out of coughing up.

 

which is why we never recommend using any forms on any bank sites

or ever phoning banks

 

do it by the above method

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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Use the link dx has provided above, you do not need to provide the information they are asking for.

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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Share on other sites

Many thanks,Martin & dx

 

I have just checked the forms and they asked for the same information as stated on the letter above....

 

I have tried to get in touch with employer again had no luck:???:

 

how can i respond back ?

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you don't know

you leave it blank or put N/A

 

 

ok lets resit this.

 

 

what are your reasons for reclaiming PPI?

 

 

why are you saying it was missold?

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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Share on other sites

great then

you didn't know you had it

 

so theres no reason whatsoever for you to tell them

or for them to want employment benefits details.

 

all they do with all these additional questions is build a case that 'well by the reasoning of XYZ' we think you should have had it so we wont refund ir.

 

typical refusal when you try and reclaim is that you didn't have sufficient cover from your work

so our PPI is better.

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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Share on other sites

And also, regardless of whether you actually needed it or not, you did not know that BC were charging for ppi because you did not know you had it on your account!!

Going back to my original comment, the answer is no, not to your knowledge.

 

As dx correctly points out, they are looking gor a reason to mitigate any payout, do not give them ammunition to fire back at you.

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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Many thanks, i am going to ring them & say that when they called me initially i had answered no to the queries regarding redundancy & sick pay benefits from employer but i cant remember if i had them .

 

Will this be a good take?

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i wouldnt say NO as that again opens up them saying well then you needed the PPI.

 

 

simple put N/A [not applicable]

 

 

or it you have to speak with them [which ideally you should NEVER DO!!]

 

 

simply say you do not remember anything about that era as 'xyz'

make something up

goldfish dies, budgie had a heart attack , and it was I very stress full period in your life that you've forgotten about.

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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Share on other sites
i ll post what comes out of it so others can benefit from the experience

 

Thats why we are all here!!

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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Share on other sites

goldfish dies, budgie had a heart attack , and it was I very stress full period in your life that you've forgotten about.

 

But the budgie pulled through, don't want it to be too far fetched :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I'll go against the general advice on this thread - I'd say that it is best to give as much information as possible. For credit card PPI, sick pay can be a game changer.

 

The OP said he can't remember and can't find out. But for anyone else looking here, if you know how much you had, or you can find out easily - you should provide this information.

 

I'd also suggest that it's risky going down the lines of suggesting that you remember nothing from the sale of the policy if your main reason to complain is about not knowing you had the policy. You've essentially just said that your recollection of the time is non-existent. You say you didn't know you had the policy... but you also say you can't remember anything else either.

Warning: Freemen of the Land Operate here. Think twice before accepting 'legal advice'.

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