Advise Please I have Been refused a claim for IPP with Barclaycard

[hazeleyes68]

Hi . I have received a reply off Barclaycard with reference to a letter sent to them to claim for a mis-sold PPI . Its my belief i was sold it without being told I could get cover elsewhere if i wish ,also that it was in my best interests to take out the ppi alongside the credit card . This was July 1996 . I have paid thousands in ppi over the years .

July of 2009 I became unemployed through no fault of my own and made a claim to on my Barclaycarc ppi ,As I was out of work on Job Seekers allowance I felt that I could not afford to pay the ppi ,so I telephoned Barclaycard with regards to this ,at no point was I advised my claim would stop or that I could reduce the cover payments . The policy was cancelled by telephone . When finding out off my own back this claim had stopped I offered to backdate the ppi payments ,howver I was told Id have to claim again ,this meaning being already out of work I would not be entiltled to make a claim anyway .I have still beeen unsuccessful in finding work . The reply I recieved off Barclaycard Customer Realtions Dept is as follows

Further to your letter date <insert date of last correspondance > ( yet no date added in this and sent to me as typed above ) I am sorry you have had cause to complian about the Payment Protection Insurance policy provided by Barclaycard .

After reading your correspondance my understanding of your complaint is that you feel you were mis-sold the PPI Policy because the incorrect information was advised at the point of sale ,and therefore to resolve this matter you would like us to refund the PPI premiums you have paid on your card .

I have completed my investigation and would like to share my findings with you .

The PPI policy was applied to you account in July 1996,whereupon a policy document was forwarded to you directly by Barclays Insurance Dublin which provided full details of what was covered by this policy and what was excluded or restricted under the policy . It also gave details of how to cancel the policy within 30 days and obtain a full refund if it was felt the cover provided was not suitable for your needs .

From our records at Barclays Insurance Dublin we note that you were able to make a successful clainn in July 2009. In these circumstances it is clear that the policy was suitable and you benefited from our cover .

Having reviewed this matter I am satisfied the addition of PPI to your Barclaycard was carried out in accordance with our standard procedured . Any decision to take the plicy was made by you .Yopu were also provided with a period to which to cancel the policy for a full refund As a result I am unwilling to uphold your complaint

I trust this brings the matter to an end .

For the purpose of the Financial Ombudsman service you may regard this letter as our 'Final Response' yo your complaint .

Any advise would be appreciated .thanks

[dx100uk]

matters not that you made a claim, that will simply be deducted from the total they WILL be paying youback!.

the rest is std blurb they all put out to deter you from reclaiming.

i''ll get this thread moved to the PPI forum.

if you look at the top of that forum in the stickie you will find sen thread named notes for claimants etc etc

read through those and off you go.

i would follow those guides and stick a reclaim into BC, inc a spreadsheet, then when they reply go off to the fos.

it will help you if you read as much asmany threads as you can that way you will become aware of what to do and the tricks they will use

dx

[hazeleyes68]

Originally Posted by dx100uk

matters not that you made a claim, that will simply be deducted from the total they WILL be paying youback!.

the rest is std blurb they all put out to deter you from reclaiming.

i''ll get this thread moved to the PPI forum.

if you look at the top of that forum in the stickie you will find sen thread named notes for claimants etc etc

read through those and off you go.

i would follow those guides and stick a reclaim into BC, inc a spreadsheet, then when they reply go off to the fos.

it will help you if you read as much asmany threads as you can that way you will become aware of what to do and the tricks they will use

dx

Hi
Thank you for your reply ,I have noted all contents . I will put a reclaim to Barclaycard straightaway and read other posts on here

Regards Nikki

[Mr lex]

Hi Nikki,

Welcome to CAG

I have moved youir thread to the PPI forum

Tx DX !!

[alanalana]

Originally Posted by hazeleyes68

Hi . I have received a reply off Barclaycard with reference to a letter sent to them to claim for a mis-sold PPI . Its my belief i was sold it without being told I could get cover elsewhere if i wish ,also that it was in my best interests to take out the ppi alongside the credit card . This was July 1996 . I have paid thousands in ppi over the years .

July of 2009 I became unemployed through no fault of my own and made a claim to on my Barclaycarc ppi ,As I was out of work on Job Seekers allowance I felt that I could not afford to pay the ppi ,so I telephoned Barclaycard with regards to this ,at no point was I advised my claim would stop or that I could reduce the cover payments . The policy was cancelled by telephone . When finding out off my own back this claim had stopped I offered to backdate the ppi payments ,howver I was told Id have to claim again ,this meaning being already out of work I would not be entiltled to make a claim anyway .I have still beeen unsuccessful in finding work . The reply I recieved off Barclaycard Customer Realtions Dept is as follows

Further to your letter date <insert date of last correspondance > ( yet no date added in this and sent to me as typed above ) I am sorry you have had cause to complian about the Payment Protection Insurance policy provided by Barclaycard .

After reading your correspondance my understanding of your complaint is that you feel you were mis-sold the PPI Policy because the incorrect information was advised at the point of sale ,and therefore to resolve this matter you would like us to refund the PPI premiums you have paid on your card .

I have completed my investigation and would like to share my findings with you .

The PPI policy was applied to you account in July 1996,whereupon a policy document was forwarded to you directly by Barclays Insurance Dublin which provided full details of what was covered by this policy and what was excluded or restricted under the policy . It also gave details of how to cancel the policy within 30 days and obtain a full refund if it was felt the cover provided was not suitable for your needs .

From our records at Barclays Insurance Dublin we note that you were able to make a successful clainn in July 2009. In these circumstances it is clear that the policy was suitable and you benefited from our cover .

Having reviewed this matter I am satisfied the addition of PPI to your Barclaycard was carried out in accordance with our standard procedured . Any decision to take the plicy was made by you .Yopu were also provided with a period to which to cancel the policy for a full refund As a result I am unwilling to uphold your complaint

I trust this brings the matter to an end .

For the purpose of the Financial Ombudsman service you may regard this letter as our 'Final Response' yo your complaint .

Any advise would be appreciated .thanks

Hello hazeleyes

do not accept what barclays are telling you.

You shoud firstly read the stickies at the top of the forum.... then send a Subject access request see these links...

Full SAR for ppi

Data Protection Act 1998 - Subject Access Request

You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail

You should request the following documents:

A true copy of your Consumer Credit Agreement with the terms and conditions that were applicable at the time you took the loan/card/mortgage.

A ‘demands and needs’ questionnaire.

Copies of all statements applicable to the loan/card/mortgage.

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

Copies of all recorded telephone calls or transcripts of the recordings.

Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.

Do not be fobbed off by them citing issues such as relevant filing systems.

If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.

They have 40 days to respond in full then if no return a complaint to the Information Commissioners Officxe.

If and when you get the data requested you should then send it with your complain to the Financial Ombudsman Service .... links in the stickies above or see here for the complaints department with electronic template and contact details........
Financial Ombudsman Service

also please browse through this lot...

Mis-sold PPI? Want your money back? use these links to help

a lot of homework but worth the effort

PS Having made a successful claim you will have a fight on your hands, but if you check the small print of your agreement and study the above links you may be able to contest what barclays are saying.

aa

[hazeleyes68]

Originally Posted by Mr lex

Hi Nikki,

Welcome to CAG

I have moved youir thread to the PPI forum

Tx DX !!

Thank you DX for your help

[dx100uk]

thats what we're here for

dx

[hazeleyes68]

Originally Posted by alanalana

Hello hazeleyes

do not accept what Barclays are telling you.

You shoud firstly read the stickies at the top of the forum.... then send a Subject access request see these links...

Full SAR for PPI

Data Protection Act 1998 - Subject Access Request

They have 40 days to respond in full then if no return a complaint to the Information Commissioners Officxe.

If and when you get the data requested you should then send it with your complain to the Financial Ombudsman Service .... links in the stickies above or see here for the complaints department with electronic template and contact details........
Financial Ombudsman Service

also please browse through this lot...

Mis-sold PPI? Want your money back? use these links to help

a lot of homework but worth the effort

PS Having made a successful claim you will have a fight on your hands, but if you check the small print of your agreement and study the above links you may be able to contest what barclays are saying.

aa

Thank you AA for all your advise ,all of which I have noted .
Nikki

[dx100uk]

for stickies click on the blue underlined forum title above your thread
then scroll down

you will see lots of ....sticky... msgs.

i pers would also remove your photo from your profile too


dx

[hazeleyes68]

Hi again
Well after receiving a final response from Barclaycard ,I decided to try another attempt to reclaim a mis sold PPI with them before resorting to The Financial Ombusman .However I recieved a letter of reply off Barclaycard stating that I have had their final response and they would not deal with this .So off to the Financial Ombusman I went .I rang the fos ,they were great ,took the information off me and sent me a form to fill in ,which wasnt a long .complicated fom .I have in the meantime also applied for a Subject access request off Barclaycard .Now awaiting response from The Ombudsman . I am definately not giving into Barclaycard
Thank you for all your help so far DX

[dx100uk]

you really need to remove your photo from your profile
dx

[hazeleyes68]

Originally Posted by dx100uk

you really need to remove your photo from your profile
dx

No problem,will do .