ppi claim turned down by barclaycard and FOS

[macey]

Hello, my mum took out a Barclaycard in 2001. In 2008 i noticed she was paying PPI, so she cancelled it as it was not something she thought she needed at the time and she was unaware that she had this and that it was optional.
In 2012 I decided to help make a claim towards Barclaycard on the grounds that she was possibly mis-sold the PPI. They replied to say the do not believe my mum was mis sold, no reasons as to why they thought this.

We then took my mum's case to FOS who stated that they feel Barclaycard should uphold my mum's complaint. They requested my mum's employment details, sick pay etc, which we provided. They also requested a case file from Barclaycard.
Almost 2 years later Barclaycard have finally provided the FOS with my mum's case file and within this file is an application form for her card taken out in branch. The FOS have now came to a decision and stated because the PPI box is ticked, this is sufficient to say my mum agreed to PPI at the time of application.

However having looked at this application form, my mum's employment details also states that she was on an annual income of under Ł3500. My mum can not remember exactly how many hours she was working at the time but she was definitely working between 10-14 hours per week, and several years later increased her hours to a full time post.

Do you think I should point this out to the FOS? Am I right in thinking PPI does not cover part time employment? Surely at the time of application the advisor would have asked these questions and if this is an exemption then my mum would never have been able to claim.

Any advice is greatly appreciated

[Mr $quandaŁot]

Re: ppi claim turned down by barclaycard and FOS

If FOS has rules against your mum, unfortunately their decision is final. However, if this is the adjudicator's decision, then she may ask the ombudsman to look at it.

If this has already been looked at by their ombudsman, then the only thing that she could do is to take Barclays to court.

FOS is a complete joke. No wonder banks and financial institutions don't really care if people take their complains to them. A large majority of complaints - ironically except PPI cases - are not uphold.

FOS obviously needs to be shut down and replaced by a truly independent body which is not funded by F institutions. Consumers should pay, say Ł100 contribution to this body which would be refunded if their complaint is is uphold. This new body would take a zero tolerance towards miss-selling and bad practice and would have powers to report F institutions to the FCA and SFO.