Barclaycard defending PPI claim

[Charliechan]

Hi

I received a letter from Barclaycard informing me my PPI mis-selling claim against them is being defended as i applied for my MBNA credit card via post & there investigation also shows that when i made my application i was provided with information to help me decide if PPI was suitable for me . they cannot therefore agree that i was not given enough information when i took out the policy .

Is this a fob off or should i continue my claim ?

TNX

[labman]

Re: Barclaycard defending PPI claim

The ppi experts will be along later, but my understanding is you appeal initially to Barclaycard, giving them a chance to review their decision, and stating if they refuse you'll go to the FOS.

http://www.money.co.uk/article/10037...template-3.htm

[Charliechan]

Re: Barclaycard defending PPI claim

Hi

I sent response as alluded to here , as yet no response - should i chase them via a letter or simply call ?

Thanks

[Angry Cat]

Re: Barclaycard defending PPI claim

Hi

I received a letter from Barclaycard informing me my PPI mis-selling claim against them is being defended as i applied for my MBNA credit card via post & there investigation also shows that when i made my application i was provided with information to help me decide if PPI was suitable for me . they cannot therefore agree that i was not given enough information when i took out the policy .

Is this a fob off or should i continue my claim ?

TNX

Err, why are BarclayCard dealing with an MBNA PPI complaint?

If, you applied for the credit from MBNA and took out their rubbish PPI, it is MBNA who are responsible for the PPI mis-sale!

[Charliechan]

Re: Barclaycard defending PPI claim

hi . yes sorry not MBNA i should have wrote MSDW - Barclaycard took over this account in 2010 i think ?

Thanks

[Angry Cat]

Re: Barclaycard defending PPI claim

If, it is re: a MSDW card, then it is a fob off!

When did you apply for the Card and when did you take out the PPI?

[Charliechan]

Re: Barclaycard defending PPI claim

Hi

I applied for card back in 2000 i believe and it seems i had PPI also - in 2010 i called barclaycard asking what the additional payments were for & they told me it was PPI - i asked them to cancel this protection as i didnt need it & didnt even remember asking for it . They did cancel policy as asked
I have asked for repayment of all payments, Barclaycard have sent a letter saying they will defend - i have sent another letter as per above but not had a response

[Angry Cat]

Re: Barclaycard defending PPI claim

One finds it difficult to comprehend just how Barclaycard could possibly know what occured re: your MSDW MasterCard application in 2000!?
http://en.wikipedia.org/wiki/Morgan_Stanley

http://en.wikipedia.org/wiki/Discover_Card

http://www.thefreelibrary.com/Morgan...rd.-a055552773

[Angry Cat]

Re: Barclaycard defending PPI claim

p.s. Norwich Union was the PPI insurer;
Norwich Union is no more, even the brand name was phased out and the once respected brand has been gobbled up by AVIVA plc!

[Charliechan]

Re: Barclaycard defending PPI claim

Ok thank you for the information. Regarding not hearing anything back from Barclaycard - should i again write or simply call asking if they received my response ? My letter did ask them to respond within 14 days dated 09/09/13

[Angry Cat]

Re: Barclaycard defending PPI claim

You should continue with your claim; write back!
Also, it may be of benefit for you to make a Subject Access Request (SAR) if, you have not already done so?

[Charliechan]

Re: Barclaycard defending PPI claim

What is a Subject Access Request ?

[Angry Cat]

Re: Barclaycard defending PPI claim

http://www.ico.org.uk/for_the_public...al_information

We have a template letter on here if, you need same?

[Angry Cat]

Re: Barclaycard defending PPI claim

Edit to suit:



Dear Sir/Madam,
Data Subject Access Request - Pursuant to the Data Protection Act 1998
Data Subject: [ xxx, address as above, and formerly of: ]
Please supply all data that your company holds relating to my entire account history. Whilst not exhaustive, for the avoidance of doubt I list below what I require:
o Full and legible copies of all contracts and agreements that have existed between myself and your organisation, including copies of any documents you hold in support of same. This is to include account no. [XXXX]
o Full and legible copies of all statements relating to the above accounts. This is to include all credits, debits, charges & interest applied to my account(s) including details of any instances that required manual intervention. It is also to include monthly account balances.
o Full and legible copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts.
o Full unedited copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them.
o Full and legible copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
o Full details and legible copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party.
o Full and legible copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information.
o Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of the same, and at the time it was held or provided to a third party.
o If any data has been deleted or disposed of, the methods used to do so, including dates, reason for deletion, certificates or documents confirming details of destruction. If you are unable to provide such certificates, then I require a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.
Please be aware that the Data Protection Act 1998 clearly states that all information held must be disclosed and there is no correlation to the Limitation Act 1980 whatsoever. This request therefore lawfully includes any and all data which is older than six years. If you do not hold any data older than 6 years, then I require a signed declaration from your data controller confirming this, and a copy of all documents pertaining to its proper disposal.
All data - including data held on a microfiche or similar systems - must be provided within 40 days, and if you require a fee for this, then I enclose the maximum statutory fee of £10.00 – which must not be used for any other purpose. If you choose to waive all or part of the fee, then please be aware that you will still have a legal obligation to comply with this request. I thank you in anticipation of a prompt and full response and compliance.

Yours faithfully,

[ Sign ]



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[Charliechan]

Re: Barclaycard defending PPI claim

Great thanks ..!

Sorry - can i just ask what all this information will tell me ? receipt of this info will determined if i have a valid claim ??