Dogtired's Barclays PPI Claim

[dogtired]

Re: Barclays PPI complaints procedure

Will have another go tomorrow, Will put in any change to interest rate as well!

[Bill-K]

Re: Barclays PPI complaints procedure

Sorry - I guess I wasn't clear enough. There should be no need, DT - you can ignore the last 2 interest columns if you have the account balance and interest charged.

If you can enter the actual account balance, and the actual interest charged each month - as you have done so far - then we won't need you to enter the interest rates in the last 2 columns.

[dogtired]

Re: Barclays PPI complaints procedure

Thank you, me being dense!

[dogtired]

Re: Barclay's PPI complaints procedure

Basic PPI+Penalties.ods.xls

OK this is it, done the best I can,it took a while!
I hope you can read it, i could read it on open office but not on the link last time.
Barclay's did the calculation, it appears from 2001 for which I have no figures so how could I have made an informed decision?

[Bill-K]

Re: Barclays PPI complaints procedure

Well done so far, DT. Oh....just one last thing....

I can't see any PPI payments entered in column C. We need these.

If this is a problem, I can try and estimate this (from the account balance) - but it will not be as accurate as the original figures of course. As this is just an exercise to decide whether their offer seems fair, then complete accuracy isn't needed at this stage, so I can do this if entering the original figures is a problem.

[dogtired]

Re: Barclays PPI complaints procedure

Bill, there were none on the statements I have, it is possible that if it was added it was a single premium.
The card itself was taken out in about 1997/1998 . What is there is what was on the statements I do have.
Barclays never sent a copy of any agreement.
Remember it was at some sort of show, and you got a "gift" of a sports bag.Thank you again for your help :okay:

[Bill-K]

Re: Barclays PPI complaints procedure

Sorry, DT - I thought you knew you had PPI on it from the statements you have !!! PPI is only charged to credit cards as a monthly premium, never a one-off payment.

A Card Protection Plan - which is an insurance against lost or stolen cards - may have been charged. This is usually charged as an annual premium/payment, and this may be the insurance that they have refunded you. CPP is usually much less than PPI, and is not dependent upon account balance, in which case their figures are probably correct.

Sorry about that.

[dogtired]

Re: Barclays PPI complaints procedure

But why base it from 2001? (or up to 2001 as it is not clear)
Without sight of any agreement how do I know they have done it correctly?
Could they have "cancelled" it when I hit problems, not got any default notices though.
As you can see there were a few times when they added charges when I was "late" And until I demanded everything in writing numourous phone calls when I dared to be a day late.
So frustrated, have e-mailed the FOS a copy of the offer and asked how could I have accepted something I did not know the amounts too so we will see.

[dogtired]

Re: Barclays PPI complaints procedure

Been through the letters from Barclays, mostly about the payment plans.
However when I first apprached them about PPI,every letter says PPI, not card protection. Sorry its been an uphill struggle just feel now like saying go away and not pay them any more ps did someone look at the CCA?

[dogtired]

Re: Barclays PPI complaints procedure

Another thought and I see a new member has had the same standard reply from Barclay Card, that is they refused or rejected the claim due to the age of it.
As mine is/ was very old do you suppose they have " lost" anything pre 2001?
I suppose it would not be worth now doing a SDAR as the remaing balance is so small now, but even so it will take a few years to pay off.:tinysmile_cry_t:

[FlamingParrot]

Re: Barclay's PPI complaints procedure

This is what Barclay's sent as a result of a CCA request.
Got new statement today, they have already taken the amount off the outstanding balance, dates same as the letter they sent.
I was deemed to have "accepted" the offer even though there were no figures.
Balance now £471.70 and they have still added the interest of £1.70.
Is there anything we can do, worth pursuing do you think?:tinysmile_cry_t:

That seems to be just terms, unless I'm missing something, I don't see anything linking YOU to those terms. :confused2:

[FlamingParrot]

Re: Barclays PPI complaints procedure

Another thought and I see a new member has had the same standard reply from Barclay Card, that is they refused or rejected the claim due to the age of it.
As mine is/ was very old do you suppose they have " lost" anything pre 2001?
I suppose it would not be worth now doing a SDAR as the remaing balance is so small now, but even so it will take a few years to pay off.:tinysmile_cry_t:

Very likely! In fact, Barclays have lost or misplaced a lot of agreements, which is why they try to fob people off with printouts of terms.

[Bill-K]

Re: Barclays PPI complaints procedure

Thanks for looking in FP, and for your opinion. Was that set of T&C's ALL that they sent in response to your CCA request ? Didn't they send you a copy of the agreement earlier ? If not - then they don't seem to have complied with the CCA, and the debt becomes unenforceable until they do. You can suspend further payment until they comply.

If they insist that this is PPI, but PPI isn't shown on your statements (from 2007 onwards), then they have clearly been referring to records prior to 2007. If you send them a DSAR, then it is likely that they will only send you data going back to 2007 - yet, if they have found data that shows PPI was charged, then they have clearly referred to pre-2007 data.

Perhaps a better suggestion would be to ask them what period of time covers the data to which they have referred in order to make their calculation. I can see NO reason why they can refuse to answer that question. If you THEN send a DSAR, then they will have to send you copies of the data they have used, or they will be in breach of the DPA.

But as things stand, we have no idea how they have calculated this, and therefore no idea if it is worth sending a DSAR. I can only suggest this. If you are prepared to gamble a tenner, then send a DSAR - and also insist (but separately) that they clearly tell you what period the data they used covered.

If they haven't sent you a copy of your agreement, then you can also put pressure on them and withold payment. If they DO eventually send you this, then it would perhaps be interesting to see if the PPI box was ticked. That's my suggestion, anyway.

[FlamingParrot]

Re: Barclays PPI complaints procedure

If they haven't sent you a copy of your agreement, then you can also put pressure on them and withold payment. If they DO eventually send you this, then it would perhaps be interesting to see if the PPI box was ticked. That's my suggestion, anyway.

If PPI was applied to the account, then there would also need to be PPI terms to fully comply. :thumb:

[Bill-K]

Re: Barclays PPI complaints procedure

Blimey - that's a good point, FP !!! I can understand that applying to SPI loans, as the PPI is usually a part of the loan itself, and is an element of the agreement - but does it deffo apply to credit cards ? By that I mean PPI can be taken out on a credit card at any time, and cancelled at any time - so does it have to be considered as a part of the credit agreement ? The PPI premiums are not loaned to the customer in the same way that a SPI premium is, so are not a part of the credit agreement - but simply another purchase. Like Card Protection Policies, I reckon - and perhaps any other insurance product that has been purchased with the card ?