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Hi my OH took out a FA Premiership Barclaycard Visa account in September 2001 (now paid up and closed) and on recently checking old statements, she had been paying PPI. To be honest she didn't have a clue about PPI at the time and what it was all about.
So I got her to send a SAR and she received most of the statements. Terms & Conditions and a grainy microfiche copy of the application. She is sure that it was applied for via her Barclays branch in London and over the phone.
The copy of the application is mostly unreadable and looks as if Barclays have typed it up, including 'X' against employment, other cards, annual income boxes etc apart from the Payment Protection Insurance box, where the 'X' has been badly penned in ?
They have also marked 'X's' against her signature and date for her to sign and the insurance wording states, 'For a small monthly premium this insurance will cover your payments if you are unable to work etc...........Please tick the above box if you require protection.'
There is no wording or any other explanation as to what was covered or excluded, cost etc.
She also contacted Barclays and they confirmed that insurance was added and they sent out a questionnaire to be completed with a covering letter. The letter requested details of how the policy was sold and how conditions were disclosed including copy of original agreement, statements showing PPI and policy schedule ? Does she have to forward these details even though they have provided them via SAR ?
Do you think she has a case for miss-selling on the basis of the above ? She also had a very good employment redundancy, sickness, death in service cover and company shares in which she sold some to pay up and close the account.
I have read up on forum regarding some unsuccessful claims with Barclays and just wondered if anyone had a similar case and can confirm that it was probably applied by post or completed at a branch. On the application form there is a staff number and servicing branch details reference penned in, everything else seems as though its been typed apart from the insurance part, where I can just about see an inked 'X' - Could a member of staff possibly entered this ?
Any advice would be most appreciated.
So I got her to send a SAR and she received most of the statements. Terms & Conditions and a grainy microfiche copy of the application. She is sure that it was applied for via her Barclays branch in London and over the phone.
The copy of the application is mostly unreadable and looks as if Barclays have typed it up, including 'X' against employment, other cards, annual income boxes etc apart from the Payment Protection Insurance box, where the 'X' has been badly penned in ?
They have also marked 'X's' against her signature and date for her to sign and the insurance wording states, 'For a small monthly premium this insurance will cover your payments if you are unable to work etc...........Please tick the above box if you require protection.'
There is no wording or any other explanation as to what was covered or excluded, cost etc.
She also contacted Barclays and they confirmed that insurance was added and they sent out a questionnaire to be completed with a covering letter. The letter requested details of how the policy was sold and how conditions were disclosed including copy of original agreement, statements showing PPI and policy schedule ? Does she have to forward these details even though they have provided them via SAR ?
Do you think she has a case for miss-selling on the basis of the above ? She also had a very good employment redundancy, sickness, death in service cover and company shares in which she sold some to pay up and close the account.
I have read up on forum regarding some unsuccessful claims with Barclays and just wondered if anyone had a similar case and can confirm that it was probably applied by post or completed at a branch. On the application form there is a staff number and servicing branch details reference penned in, everything else seems as though its been typed apart from the insurance part, where I can just about see an inked 'X' - Could a member of staff possibly entered this ?
Any advice would be most appreciated.
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