barclaycard PPI

[Tired and Weary]

Hi ,

I told my mother to put in a query on the Barclay website for Barclaycard PPI right on the deadline last August.

Apart from 2 or 3 letters saying we will eventually get to to your claim we`ve heard nothing until today

 

a letter arrived asking for all sorts of info.

This is from over 20 years ago and they are wanting loads of details concerning savings , wages employments etc... she will certainly struggle with all these requests.  

 

Any advice 

should we try and put what we can in and send it back.

 

She certainly hasn't got records of savings etc... from then or exact working hours ,but she was working full time .

 

Ive attached letter hopefully with personal details blacked out.

 

I have done ppi in the past but always used the Ombudsman questionnaire .

thanks

 

 

barclaycard ppi-1-converted.pdf

[dx100uk]

thank you merged

 

have you par chance a copy of the original letter that was sent?

 

 

[Tired and Weary]

Sent from them to acknowledge the ppi query??? I just stuck a  card number in  the last  few hours before the deadline online last August.

[dx100uk]

so where are they getting all this info from she was a student working part time from?

or is that letter a generic guess and bears no relation to her circumstances at the time?

 

dx

 

[Tired and Weary]

The student part must be just part of their standard response. My mother was working full time  at the time , had sick cover , life insurance some savings and an isa.  Do i just fill in the ombudsman ppi form and put any details in there and send it to them as soon as possible.

I notice how theyve gave 10 days from the date of the letter , which only just came.

Edited September 3, 2020 by Tired and Weary

[dx100uk]

yes.

 

 

[Tired and Weary]

OK , I`ll try and get that done for her tomorrow

Thanks

[Tired and Weary]

Hi Again, i did this and they dont agree the PPI was missold , but have included a check for over £1000 for ppi commision.

 

They say the PPI was sold over the phone and the PPI was explained in full ,

but in a SAR request that was done on the main account there is a scan of a paper application with the PPI ticked ,

it is also dated the end of 1995 and they say the PPI was taken out in 1998.

(a 3 year gap to apply for PPI seems highly unlikely)

 

My mother says she would have picked  up the application in the supermarket she worked in and it would be very unlike her to apply for a credit card over the phone .

 

This is getting highly confusing .

She had this card and one linked card mentioned in their correspondence.

My mother has already put the cheque in her bank , as she only just handed me the letter

she didnt realise that they had declined the actual PPI claim..

 

Will this stop us going to the Ombudsman to dispute the actual PPI payment part?????

 

Any advice thanks?

[dx100uk]

that is called a plevin reclaim,,,of the commission they charged her for selling her the PPI.

your was the actual PPI premiums and the resultant int charged on each payment etc etc

 

you cant reclaim both 

 

 

[Tired and Weary]

So is that as far as we can go , i thought the ppi commision was a seperate thing?

 

[dx100uk]

hidden PPI commission or PPI Premiums reclaim.

one or  the other 

you can't reclaim both.

 

however, for the PPI premiums paid during the life of the card..

do you have all the statements from day 1?

if not you need to have sent them an SAR before you kicked off the reclaim., and done a spreadsheet and fire that off with the FOS Questionnaire.

 

if you've  ot got the data (and they must to have made and state the history, even if wrong,   that they have done so far.

 

there no good putting in a speculative reclaim letter without data cause all you'll get back is a speculative reply cause they know you haven't a clue what you are doing or ever expect back.

 

so have you all the statements?