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PPI barclays Joint loan - ex got paid - they cant find my 50% cheque!!


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Greetings, this is my first post and Im hoping that I may find some help

 

Im divorced from my wife and a while back she randomly rang me to ask if I had received a cheque?

 

I managed to find out that she had employed the use of the claimsguys company and they found a PPI on a joint loan we had years ago,

 

her cheque was for just shy of £20k, she had rung them and they confirmed that this was her 50% and not the entire settlement

 

I rang barclays bank that the loan was with and they went through it with me, explaining that yes indeed the had applied and then been awarded 50% of the total claim, there was a 22K policy applied, and the total sum awarded was £39673.80

 

the problem Im now running into with them is that they keep telling me different things, 1 call resulted in me being told that they simply had to issue a cheque for my half and to wait for it, then another call I was told that the case was closed

 

latest news is that her claim was upheld and she awarded 50% of the settlement, but I wouldnt be receiving my half??

 

what do I do to fight this??

 

 

its a serious amount of money, more than I earn in a year and as a now single parent it would change my life

 

many thanks

 

edit to add

 

her claims company have rerally tried to get her to tell me to contact them, but I found out that she lost over £7000 in fees OUCH..

 

if I can sort this without them, I would be far happier

Edited by tonydevon
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They owe you

Just ask for it

Theyve already admitted fault

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 tried that today. Nightmare on every phone call.

They were supposed to have updated my address during a call on 31st aug.

But they did wrong address so i couldnt get thru security.

Then after ages on phone i argued that i was told they send me a cheque out. And the call was recorded so i could proove it.

 

Oops big mistake. Call terminated as the girl said she didnt want the call recorded.

 

Start again.

 

Latest is that a claims handler will have to reopen and assess the case

 

I will get a letter at some point but theres no time limit or guidance on that...

 

So so helpful

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you don't have to tell anyone you are recording a call.

 

why not send them an sar

get all the facts then you wont be coming up against speculation and guess work

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

thread title updated

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

Looking in as suggested by DX...........

 

Your problem here lies mainly with the fact that you are contacting Barclays by phone. It's good that you've recorded some or all of the calls. However, having communication in writing is best.

 

Send a SAR as DX says and, if you know the dates of the tel cons you had with the bank about PPI, specify that you want recordings or transcripts of these calls.

 

Keep all future comm'ns in writing only.

 

:-)

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  • 2 weeks later...

I will be learning and taking your advice to pursue this further

 

now 11 weeks since I contacted them, after multiple calls and them failing to update my address details I finally heard from them

 

my ex wife complaint was upheld and she was paid out her 50% £19k+ cheque as a result of her using the claimsguys

 

but according to the claims handler at Barclays, in their opinion the policy was fine for me and therefore I wont be receiving a payment

 

Im awaiting written confirmation of this, as I have now been told twice on the phone that I would definitely be receiving a cheque, just have to sit and wait....

 

I guess they were never going to make it easy for me LOL

 

will update with any progress in the future, but thanks guys for the advice so far

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What?

 

Only ONE person can be covered by ppi unless jointly signed up to a dual policy..very rare..they are talking rubbish!!

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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its was a joint secured loan that we took out

 

Im waiting for the letter to arrive with the official wording.

 

now know that the PPI policy was only for 5 years, yet it was paid for over the 20 year term of the loan!!

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not the loan the PPI policy

bet its only on [covers] ONE person.

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
  • 1 month later...

I thought I would come back and update

 

I did call them occasionally and all recorded, more to see what was said and gather more ammunition in my fight with them, getting totally different answers every time

 

I did the SAR as suggested and I also followed the advice about putting things in writing.

 

I wrote quite an in depth letter to the complaints dept explaining how I had been fobbed off and in my opinion just sent away with the answer I wanted to hear, to get rid of me

 

then out of the blue a letter arrives at my parents address

 

a cheque for £19836.90

 

Ive never got to the bank so fast to pay it in.

 

2 days later I had another letter, I was terrified in case they decided they changed their minds and wanted the cheque back LOL

 

was response to my complaint letter and a cheque for £50 result

 

thanks to those that offered advice and help, thanks from what was once a struggling depressed father, then got life back bit better and in temp accomodation, to then being single father raising my daughter..

 

I now can take her away on our first sunshine holiday and move to a proper house as I have deposit and fees etc

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Hi Tony.

 

Thanks for the update and delighted at the refund and the compo payments you received.

 

If you can make a Site Donation, it'll help us be here when we're needed.

 

Thanks :-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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told ya!

 

sounds like it was well needed :wink:

 

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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