Barclay card PPI

[m_man]

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

[maroondevo52]

Hello and Welcome,

 

Did you get in touch with them regarding the PPI.

[martin2006]

Then simply answer no, not to your knowledge

[dx100uk]

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

[m_man]

Many thanks, dx100uk,

 

 

need to find out how they started the PPI? how do i go about this ,they have already told mme i had ppi sold to me?

 

what does OP mean,sorry

[martin2006]

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 November 21, 2016 by martin2006

[dx100uk]

how did you first start the PPI reclaim

[m_man]

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

[martin2006]

Can you also scan and upload the redacted letter please?

[m_man]

Hi Martin

 

Please see the file attached

 

Kindly let me know how to proceed & if you need any further details.

[dx100uk]

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

[martin2006]

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

[m_man]

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 ?

[dx100uk]

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?

[m_man]

I was unaware of the fact that i had ppi , i was only speculating as i was not informed about this until they sent me the letter stating i had ppi on my card

[dx100uk]

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.

[martin2006]

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.

[m_man]

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?

[dx100uk]

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.

[m_man]

That sounds good to me.

 

Many thanks Dx100uk

 

i ll post what comes out of it so others can benefit from the experience

[martin2006]

i ll post what comes out of it so others can benefit from the experience

 

Thats why we are all here!!

[maroondevo52]

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

[mightymouse_69]

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.