A few months ago my husband found out from Barclaycard that he had PPI on his Mastercard and Visa. He had it on his Mastercard Barclaycard from 01/09/97 until 23/12/2004 and on his Mastercard Visa from 01/09/97 until 25/08/15. He then made a CCA request hoping it would show whether he had ticked boxes to say he wanted PPI and give employment details as he was self-employed at the time he applied. Today he received a letter but the information given about each card doesn’t help with what he wants to know. For one card it just says they are unable to provide a copy of the credit agreement and for the other they’ve sent a ‘reconstituted copy’ of the terms and conditions. How does my hubby go about getting the information he wants to know? He feels he may have grounds for a claim on the basis that he was self-employed at the time of getting PPI and it may not have covered him had he become unemployed. If anyone could point us in the right direction then we’d be very grateful.
Getting Barclaycard PPI information
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Financial Ombudsman service:
However, some forms ask people to' deselect' or 'opt' out of PPI usually by ticking a box if they didn't want PPI which often wasn't made very clear. We don't think this is fair if the customer did nothing, it would look like they chose to have PPI, which might not be true. So in this case, we'd probably say the policy was mis-sold.
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Brilliant. Those should be useful to others - thank you. They wouldn't be able to get away with that now... shame it's taken so long for them to be pulled up for it now.#staysafestayhome
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