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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      Hello, I hope you're all well, I just wanted some advise on my debt situation. So currently my debt is a total of £17,000, 7k to Amex and 10k to TSB as a loan, now I have never missed a payment and I have always been on time but I have had some personal circumstances that mean I need my money and I cannot afford to pay these loans off for the time being. I'd need around 4/5 months and then ill be able to start making the payment again, I've been reading on the forum and I have seen many options but I'd like to know what the best option for me is. I don't want and IVA or DMP and nor do I want to go bankrupt. I've read about defaulting and minimum payments etc, Say if I didn't pay anything for 4 months or maybe paid bare minimum then once the 4 months is over I make up for the payments? Sorry If I sound stupid but I am just trying to figure out the best option before doing something stupid and going for an option that is more feasible. Thanks
    • lolerz
      Help understanding online HMRC account and National Insurance amounts

      By lolerz · Posted

      For NI it depends on how you pay. Pension Contributions come out via your gross pay as a deduction = You pay NI. Pension contributions come out via salary sacrifice = You don't pay NI. You wouldn't pay income tax on it either way.  
    • gerson
      Help understanding online HMRC account and National Insurance amounts

      By gerson · Posted

      Hi Isn't the pension contributions tax exempt - so take Gross - pension = taxable income?? Obviously the Tax Codes and Thresholds will play a part in the calcs as well G
    • jk2054
      Evri lost my Ebay parcel £844 - court claim issued

      By jk2054 · Posted

      Yea the counter is open 10-4 apparently but in reality if you go to the court and go to secuirty just refuse to go away and ask them to call the civil team they will eventually and they'll take the payment  
    • gerson
      Contact HMRC for Death of Family Member

      By gerson · Posted

      Update My insurance declined the claim since lung cancer was a 'pre-existing' condition at the time of booking Will try and ask BA to reconsider, otherwise I will lose several hundred pounds Probate (or rather the equivalent here in Malta) is completed and took 2 weeks from receiving the official death certificate Have now sent off all the necessary closure forms to Pension, Insurance, UK Bank, etc. Just need to visit the embassy to have her passport cancelled G

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Barclays said no ppi - now CMC has won for me - are the bank responsible for the CMC fee charged as they initially misled me?

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mfr946

mfr946

Posted
Posted

Hi, 

I was told by Barclays that I did not have PPI but I knew I had. 

I resorted to using a claims company who succeeded in getting the claim but obviously I had to pay them 24% fee. 

 

Can I claim the fee back from Barclays as they should have paid me when I first claimed (via Resolver). 

I do have paperwork from Barclays saying that I couldn't claim.

Thanks.

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BankFodder

BankFodder

Posted
Posted

In principle I have to say that if the bank misleads you for some reason other then there is definitely a chance that you should be able to recover your expenses from if you have to go for independent help.

However you need to give us far more detail as to why Barclays said that you couldn't claim.

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  • dx100uk changed the title to Barclays said no ppi - now CMC has won for me - are the bank responsible for the CMC fee charged as they initially misled me?
mfr946

mfr946

Posted
  • Author
Posted

They told me in 2017 that I because it was over 6 years since the account was taken out (it was in 1996) and over 3 years after I changed the account (2004) that I could not claim.  I did refer it to the Financial Ombudsman but did not get any response.  When I did get the claim upheld it states it was for PPI on an overdraft dated March 1998 to July 2004 which is obviously within the timeframe they previously said I couldn't claim for.

Your advices would be appreciated.

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BankFodder

BankFodder

Posted
Posted

You say that they told you in 2017 – do you have this in writing?

When you say referred it to the financial ombudsman – was this as a result of a final response letter from the bank? Were you ever issued with a reference number by the ombudsman service?

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mfr946

mfr946

Posted
  • Author
Posted

Yes I have the letter from Barclays dismissing my claim.  When I sent the complaint form to the Ombudsman I was out of the 6 month time frame as stated in the Barclays letter which is probably why I did not receive anything from them.

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BankFodder

BankFodder

Posted
Posted

Okay. If you have a letter which clearly states those reasons for denying you your PPI claim then you are on a good start. However I think it's going to take a long time and don't expect Barclays to be very cooperative.

You could begin by bringing in immediate legal action but maybe the best thing to do is to begin a new complaint of Barclays and then when they give you their final response letter to take it to the ombudsman.

On that basis I think that you should contact Barclays and begin the complaint and confirm in writing. Confirm everything in writing and also read our customer services guide and implement the advice there.

Your complaint of Barclays will be that during your original PPI claim they declined the claim on misleading grounds so that their wrongdoing left you with no choice other than to turn to a professional claims management company. This put you in a position where you were obliged to pay fees which if Barclays had dealt with your claim correctly, you would have not been obliged to pay.

Therefore it is a result of Barclays unfair treatment of you that you have suffered a 24% loss in the money paid out to you.

Use this as the basis of your complaint to Barclays and when you get a final response letter, don't hang around. Make the complaint to the FOS immediately but come to us so that we can have a look at the wording of the complaint you are submitting to the FOS.

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BankFodder

BankFodder

Posted
Posted

Okay in that case begin by contacting the ombudsman – try doing it by telephone and ask them what's happening because you've never received any information.

I hope you won't mind me saying that it seems to me that you need to get on top of your files and have them organised and your paperwork under control.

When you find out something from the ombudsman comeback you

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dx100uk

dx100uk

Posted
Posted

professional claims management company:lol:😚🕵️‍♂️😂😄

 

don't think that's the right description of any CMC

commercial possibly

  • Haha 1

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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BankFodder

BankFodder

Posted
Posted

Whoops, – my bad.

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