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Hi im hoping someone can help,

 

we've had our barclaycard since 2007,

we've always paid it

the average balance is around 2k

 

we only realised in feb we had been paying PPI.

 

I ve sine sent a letter to barclaycard as we've never used this policy as we wasn't aware we even had it even through unemployment etc the payments have been made.

 

They have sent a letter today advising us they are refusing the claim as they sent us 2 letters in jan and feb 2013 requesting we check all of out PPI policies and that all the information was correct and that we should have been in touch within 3 years and the period has now expired.

 

I didn't received any kind of paperwork or I would have cancelled the policy there and then ,

we are both no self employed and my husband has medical conditions which meant the cover is of no good to us.

 

ive called them and he told me to write and appeal the decision.

 

has anyone any ideas or had anything similar?

 

also where can i find a good calculator to give me a true idea of monies paid and what i could potentially claim back?

 

thank you

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They are talking rubbish.

 

Right back to them and tell them that you reject their refusal and that you consider that they are simply being obstructive.

 

Tell them that you have received no paperwork from them and that you put them to proof as to having sent it. Tell them that in any event, PPI claims are not time-barred until 2019 and you are proposing to go ahead with your claim in any event.

 

Tell them that they have mis-sold you the policy and that if they are not prepared to reconsider their decision then you want to make a formal complaint and you want this complaint eventually to be considered by the ombudsman.

Tell them that in addition to the obvious grounds that they sold you a PPI policy when you were both self-employed, it now becomes clear that they failed to disclose the commissions that had been paid and as per the case in Plevin which was only decided last year, you are adding that as a further example of their dishonest treatment of you. (Use those words)

 

Make sure that you send all communications by recorded delivery at least. If you deal with them on the telephone at all then make sure that you record your calls.

 

Read our customer services guide and make sure you follow all the advice we give there.

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They have sent a letter today advising us they are refusing the claim as they sent us 2 letters in jan and feb 2013 requesting we check all of out PPI policies and that all the information was correct and that we should have been in touch within 3 years and the period has now expired

seems they are trying to rely on that 3 yr (fos) bar re notification of poss missell.

IMO

:-):rant:

 

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No its the FCA rule

 

If they wrote and can prove it to the correct? Address

Then sadly its game over

I'll upload the ruling later

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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here:

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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thats the one, :)

 

note 2 in link below sums it up

 

https://www.fca.org.uk/news/press-releases/fca-finalise-plans-place-deadline-ppi-complaints

 

'The complaints handling rules already set time limits for consumers to make complaints about financial products.

These time limits are generally six years from the event the consumer is complaining about or, if later, three years from when the consumer knew, or could reasonably have known, they had cause to complain.

 

 

In the case of PPI, because many consumers did not know they had been mis-sold PPI, these time limits may not yet be triggered.

 

 

However, consumers who have previously been informed of this by their firm (for example, through a letter) may be out of time earlier than 29 August 2019.

 

 

ome consumers who have made a claim, or attempted to make a claim, on their PPI may also be out of time earlier, although this will depend on the facts of the case.'

IMO

:-):rant:

 

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