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Hello, new user here on behalf of my parents. Bear with me as it is quite a long winded tale....
Basically my parents took out an Egg Credit Card in my mothers name a good few years back now, with PPI which they paid each month
This was moved over to Barclaycard when they took over Egg, and they have around £2,000 on the card at the moment, and make monthly payments and have never missed any.
Not long after it was moved to Barclaycard, my mother became critically ill and was in hospital for a good few months. Thankfully she pulled through, but the nature of the illness meant that she lost a lot of her memory, and is now registered disabled and un-able to work again.
Needing to get all their finances sorted out because of this, my father contacted Barclaycard to try and find out what the balance was on the card. However he was denied access on numerous occasions as the account was not in his name. Eventually after providing medical records, Barclaycard accepted and the account was switched into his name. It was then he realised that they had been paying PPI, and it was around that time that media were publicising that PPI is not needed, so my father cancelled it.
He then tried to re-claim the PPI as being mis-sold, and asked Barclaycard for a copy of the original credit agreement, but they sent a letter back saying that they did not have it.
Since then, whilst trying to organise his new way of life and caring for my mother, it has sort of been put on the back-burner and he has been making his monthly payments. However he wants to re-visit it now, and says that if he cannot re-claim the PPI, they surely he is legible to claim on the PPI that they paid for my mothers illness?
I'm not very clued up on my parents rights, so what is the best course of action?
Do I try and re-claim for mis-sold PPI or
Do I try and claim on the original PPI that my parents paid for, and can I actually do this, bearing in mind that the policy was cancelled just after my mother became ill, and also that Barclaycard cannot provide me with an original credit agreement?
Sorry for all the text...and help / advice is greatly appreciated!
Basically my parents took out an Egg Credit Card in my mothers name a good few years back now, with PPI which they paid each month
This was moved over to Barclaycard when they took over Egg, and they have around £2,000 on the card at the moment, and make monthly payments and have never missed any.
Not long after it was moved to Barclaycard, my mother became critically ill and was in hospital for a good few months. Thankfully she pulled through, but the nature of the illness meant that she lost a lot of her memory, and is now registered disabled and un-able to work again.
Needing to get all their finances sorted out because of this, my father contacted Barclaycard to try and find out what the balance was on the card. However he was denied access on numerous occasions as the account was not in his name. Eventually after providing medical records, Barclaycard accepted and the account was switched into his name. It was then he realised that they had been paying PPI, and it was around that time that media were publicising that PPI is not needed, so my father cancelled it.
He then tried to re-claim the PPI as being mis-sold, and asked Barclaycard for a copy of the original credit agreement, but they sent a letter back saying that they did not have it.
Since then, whilst trying to organise his new way of life and caring for my mother, it has sort of been put on the back-burner and he has been making his monthly payments. However he wants to re-visit it now, and says that if he cannot re-claim the PPI, they surely he is legible to claim on the PPI that they paid for my mothers illness?
I'm not very clued up on my parents rights, so what is the best course of action?
Do I try and re-claim for mis-sold PPI or
Do I try and claim on the original PPI that my parents paid for, and can I actually do this, bearing in mind that the policy was cancelled just after my mother became ill, and also that Barclaycard cannot provide me with an original credit agreement?
Sorry for all the text...and help / advice is greatly appreciated!
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