Barclaycard ppi rejection - help please

[DAISYC3CJS]

Hi folks, I am wondering if I could yet again ask for your advice. I've had a rejection on PPI from Barclaycard - no big surprise as it seems to be the norm.

The reasons they give are as follows:

"Specifically you feel that we mis sold you PPI because:

you had other means to make your payments
elements of the policy were not adequately disclosed such as the price of the policy/benefits/that it was optional or it included significant exclusions and limitations
you felt you were provided with misleading or inaccurate information.

Following our investigation we have identified that your application for PPI was submitted by post. This means that at the point of applying for PPI we did not give you any advice and the process required you to select the specific type of cover you required. Our investigation also shows that when you made your application you were:

provided with information to help you decide if PPI was suitable for you. We therefore cannot agree that you were not given enough information when you took the policy out"

So my learned friends, I am wondering what your thoughts are and how I should word my reply. From the above it does seem that they are contradicting themselves somewhat.

I would very much appreciate your comments and help.

Many thanks


DAISY

[di30]

Re: Barclaycard ppi rejection - help please

Hi Daisy

Is that the final decision? Or have they given you the opportunity to write further if you can give any further info?

Have you all the paperwork from this account?
And can you recall in it being a postal application?

And another question, was there a pre-med condition at the time you taken it out?

Thanks, we can work from here.

[DAISYC3CJS]

Re: Barclaycard ppi rejection - help please

Hi Di, thanks for getting back to me.

In their letter, it says if I am not satisfied they would be happy to review my case again if I have any new information.

However, when I looked at what I put on my PPI form sent to them, I see that I ticked that the application was done by telephone. They are saying it was done by post. However, I'm sure I remember speaking to someone also - such a long time ago though I really can't be sure. Obviously if they say I did it by post then I must have done so.

So I'm unsure what to write back to them now, hope I haven't totally screwed up on this one! I had no pre med condition when it was taken out

What do you suggest I should write?

Many thanks, look forward to your reply


Daisy x

[Angry Cat]

Re: Barclaycard ppi rejection - help please

Have you made a FULL SAR to Barclays?

[DAISYC3CJS]

Re: Barclaycard ppi rejection - help please

Hi, no I haven't as I don't think it's necessary in this particular case. As I stated above, they are saying that I made the application by post. On the other hand as I also stated in the original post, in my opinion they are contradicting themselves, again as stated in my original post as follows;

Firstly they are saying this......

"Following our investigation we have identified that your application for PPI was submitted by post. This means that at the point of applying for PPI we did not give you any advice and the process required you to select the specific type of cover you required."

Then they are going on to say......

"Our investigation also shows that when you made your application you were:

provided with information to help you decide if PPI was suitable for you. We therefore cannot agree that you were not given enough information when you took the policy out"

So.....can you see what I'm getting at? First they say they did not provide me with any advice and straight after that they are saying that they provided me with information bla bla bla ???

Hope this helps and look forward to your comments and help as always


Daisy x

[di30]

Re: Barclaycard ppi rejection - help please

Hi Daisy
Thanks for getting back to us.

I would be asking them to send you the evidence they have that you applied by post as they must have these held on the system somewhere for them to have told you this.

A SAR should disclose how the ppi was purchased.

I would write back and tell them you do not agree with the decision they made due to reasons you have given them, give them any further info you think you may have missed and ask them to review, also ask them to provide you with concrete evidence on what they said about you purchased by post as this you are also baffled with.

[DAISYC3CJS]

Re: Barclaycard ppi rejection - help please

Many thanks I will certainly do that and keep you posted.

Daisy x

[DAISYC3CJS]

Re: Barclaycard ppi rejection - help please

Well folks, I certainly didn't expect to be able to update you quite so soon! To say I am gobsmacked is an understatement!

This morning I received a reply to my letter to Barclays as follows:

"Dear......

I refer to your letter dated 10/10/13. Please accept my apologies for the delay in responding.

Please find enclosed a copy of our Final Response letter that was originally issued on the 30/9/13.

Yours sincerely,"

Firstly their letter to me received this morning was unsigned.

Secondly, nowhere in their letter to me of 30/9/13 does it say it's a Final Response letter! Indeed on the second page it says........."If you are not satisfied we would be happy to review your case again if you have any new information that we can use to support your claim".

It would appear that not only do they not read customers letters they do not actually read their own! What a bunch of incompetent idiots.

I think it is now time to write to the CEO of Barlcays, what do you think?

Daisy

[Angry Cat]

Re: Barclaycard ppi rejection - help please

"What a bunch of incompetent idiots"

Exactly, couldn't have put it better myself!

[DAISYC3CJS]

Re: Barclaycard ppi rejection - help please

Yes, again I will keep you updated - letters went off yesterday to the CEO of Barclays with copy correspondence and also a letter in reply to their as above ! Watch this space!

Also I've just started another thread re: a query with Halifax - as always advice/comments appreciated.

Many thanks

Daisy

[Angry Cat]

Re: Barclaycard ppi rejection - help please

Obviously, their position as laid out within their letter dated 30/09/13 remains the same!

Good luck with him, one of his slaves will no doubt deal with same...

[DAISYC3CJS]

Re: Barclaycard ppi rejection - help please

Yes exactly, the only thing is though I thought the CEO of Barclays is Antony Jenkins, that's who I've addressed the letter to? I thought Osorio was the CEO of Lloyds, perhaps I've got confused, it wouldn't be the first time!

However, hopefully as you say one of the slaves will open it and hopefully it will be passed to whoever?

Daisy

[Angry Cat]

Re: Barclaycard ppi rejection - help please

No it's me, I have Lloyds on the brain...
However, both Banks are equally as incompetent as each other!

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

[DAISYC3CJS]

Re: Barclaycard ppi rejection - help please

ha ha very well said

[DAISYC3CJS]

Re: Barclaycard ppi rejection - help please

OMG this is beyond a joke! I have today received another letter from Barclays identical to the one above enclosing again a copy of their so called Final Response letter of 30th September in which it did NOT say it was a final response letter, again this letter is unsigned.

What now? I really cannot believe this !!

Daisy