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suga

Current Account Overdraft PPI Reclaim

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Hello guys,

Made a claim in 2012 for O/d ppi which was upheld  in 2013.  

I was not happy with refund amount and returned their cheque back.

this account had balance of £2000.

 

then again In 2017 Barclays sent me a letter which states , 

I have ppi policy with them and they tried to contact me and their letter was retuned back from my address( which is not true)

 

I need advice :

1-Should I start a new claim or just remind them about the previous outcome and details ?

2- Also there were penalty charges on this account due to over draw should I claim them as well ?( it was current account)

 


suga:-)

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start a  new claim

if they want to bring up the old one, they will.

 

if any penalty charges were the result of the [wrongly] inflated OD , then they should refund those too.

 

I suspect, though with Barclays I've not seen it yet, they could refuse as you've know about the PPI for more than 6yrs and could use statute barring sadly.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks dx100

I might start a new claim for ppi.

Should I claim penalty charges separately ?

Can you please help with latest spread sheet and any template .

what interest rate should I apply for O/D ppi  and penalty charges ?

your help appreciated 


suga:-)

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nothing has changed since your last successful claim here.

time for you to do research here too

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks dx

I going to look into old template and spready and send off as a new claim hope that will be ok


suga:-)

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as post 2 though

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Penalty charges and ppi 2 separate claims or together ?


suga:-)

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as I said AFAIK you cant claim Penalty fees anymore other than those caused by the inflated balance of the PPI

2 PPI claims?

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi dx

Ok , how would one will assess they have inflated the balance. For example if 2 or 3 penalties charged in one month ? 

Or any other way ? 

 


suga:-)

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if the ppi refund figure to the date of the charge made the a/c go into credit, thus they cant levy late/overlimit, there was actually nowt to pay.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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That is good thanks dx 

basically if all penalty had been taken off /would not have been levied and rif account goes into credit after ppi refund it means they are reclaimable ?  

 


suga:-)

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no..

 

the PPI refund figure accumulates by date

the later the date the more is refunded

 

so say for example :

 

you had a £12 overlimit fee in 01/01/2010.

 

from the date the PPI started

to the date of the CHARGE

if the PPI refund [to that  charges date] exceeded how must you were in debt AT THAT POINT

you would not owe them anything, so the charge is invalid so must be refunded too.

 

geddit yet?

 

 

 

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Get the PPI issue sorted first as the deadline in soon.

 

Look at possible consequential penalty charge refunds after.

 

😎


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Hello Slick

what interest rate should I use for overdraft ppi 

8% normal or resti like 24% plus to reclaim ?

 


suga:-)

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theirs whilst they charged it, CISHEET.

then that figure into the statint sheet the day after

 

so what date did they stop their int?

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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hi dx

their last  interest  charged was  on 18/2/2009


suga:-)

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ok so CISHEET claim to date set to that

take the total from that and put it in the statint sheet the day after as a whole sum

you are entitled to 8% stat int once theirs stops

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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hi Dx

thanks dx , I will sort this out first.


suga:-)

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Hi dx and slick ,

account was closed on 21/2/09

last ppi charged    2/01/09

last interest charge date- 18/2/09

all ppi charges until last interest charged date, entered into cisheet

then  transferred into statin sheet?

 


suga:-)

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As post 17

Cisheet claim to date 18/2

Statint whole cisheet figure at 19/2/09


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi dx and slick ,

account was closed on 21/2/09

last ppi charged    2/01/09

last interest charge date- 18/2/09

all ppi charges until last interest charged date, entered into cisheet

then  transferred into statin sheet?

I think it is ok ?

could not attach file


suga:-)

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the whole cisheet figure 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks again

okie dokie

 

postage address

1 churchil place

or

Retail banking customer relation

Leicester

I hope Im not missing thing


suga:-)

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Let slick132 confirm address


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Head Office Customer Relations

1 Churchill Place

London

E14 5HP

 

That should be ok. 😎


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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