Hi everyone. A few years back my mother queried her PPI with Barclays and got the usual run around and then contacted the Ombudsman. Unfortunately a house fire, serious illness and multiple organ failure all contributed to her forgetting about the Ombudsman. By December last year she felt well enough to make contact with the Ombudsman again but a reply today from them is making her think only certain people have successful claims. The Ombudsman already knows about her health problems but now will only proceed if she supplies exact dates for her illnesses because they need a reason why they should submit any claim without exceptional circumstances why she delayed contacting the Ombudsman. I cannot recall reading anywhere where people have been asked the same question especially when such facts have already been submitted, to the best of her memory. The house fire took care of most of the documentation lost but she supplied answers to the Ombudsman that were truthful. If it goes on like this she'll have been mis sold a PPI Policy but be one of the few complainants who failed because she has little memory of the dates she was ill. The delay WAS because of illness not because she deliberately wanted to slow down her claim. Would it be worh contacting a professional claims company or does anyone think there is still a chance of success with her claim? I constantly support her on this matter, try to bolster her confidence but the same old support is starting to sound tired over-used.

Sorry for late reply. The council decided to dig an exploritory hole in the ground and cut the B.T line, that was patched but then the gas board cut the cable again and then work stopped because of onsite flooding. My claim submitted almost 3 or 4 years ago. The F.O sent me a letter 2 years ago saying Barclay card had made an offer and i had to accept it, but no figures were actually mentioned, nothing written down, how can anyone make a decision on something that never existed? I told the F.O the 'offer' was unacceptable. By return of post i was told i would be receiving something from Barclaycard, the only thing i received was the usual credit card statement. From then on silence. My original calculation for reimbursement was £3,00 or £4,000....the actual paperwork was destroyed in a house fire. My mother's claim got no further than a complete rejection letter from Barclaycard. Thankyou.

Hi everyone. I was mis-sold PPI when i was already disabled and been through the complaint stage and some of the F.O.S stages, i refused an offer from Barclaycard ,they refused to say how much it was, but F.O.S said it would be virtually nothing compared to what was owed me. But since then i've heard nothing at all. I saw on the BBC's Breakfast that Barclaycard had yielded to pressure and would be sending out payments to those already in the claims process, most likely ending in August of 2011 and would then make offers to everyone else. Once again no letter from Barclaycard or the F.O.S. Did i dream that tv interview? Should i contact the F.O.S again? Also, my mother, disabled too, has attempted a PPI claim, had the flat denial/refusal from Barclaycard, but then had a series of strokes ending in multiple organ failure, and having survived that making any claim was not on her radar. What should she do now that she's better and up for a fight, so to speak? Is there a quick route now that a couple of the banks have offered to pay up? Quite frankly any financial compensation would make life a bit easier for her after what she's been through Thanks Dave

Slick132 you're a real tonic, you've lifted my spirits regarding Barclaycard and PPI. UPDATE: I rang the FOS and they explained that Barclaycard are offering the full amount i paid for the PPI and interest at 8%, that is going back as far as December 2002. ( I thought it was for a longer period than that but it seems i am mistaken ). I'm told that if i don't like the numbers Barclaycard offer me i can return to the FOS for a recalculation....though after that's happened i wouldn't know where to go next. I'm desperately trying to work out how much i paid in PPI since 2002, at £42.93, and then adding the 8%, is there an easy way of doing this? Thankyou once again Slick.

Hi Slick and thanks for replying. Yes i can confirm the letter IS from the Financial Ombudsman Service, of South Quay Plaza, Marsh Wall in London. The letter is signed by name deleted. (apologies for mentioning names but i thought it might help explain who i've been dealing with).

Hi again everyone. Another year goes by and finally a reply from the Financial Ombudsman. According to the FO letter they have intervened with Barclays Bank PLC and they wish to settle my complaint, on a 'goodwill basis', and without admission of liability. If you've picked yourself up from the floor thanks to uncontrolable laughter, i wonder if i'm right in thinking this is a standard letter sent out hoping i'll cave in and take my complaint no further? The FO says they can still persue my complaint. Being disabled, and being sold PPI knowing i could never make a claim because i was disabled at the time of being offered the insurance, does seem like a good reason to carry on. Unfortunately there is no financial estimate as to how much Barclays will offer, i paid the damn PPI for around a decade, but i assume it will be a pittance. An enclosed settlement form awaits my signature and i have until April 7 2009 to sign it. I would very much appreciate any advice from anyone, i trust this forum and it's opinions. To be honest your advice will be the only independent advice i will get as my family have neither shown an interest in my problem with Barclays nor will they discuss it. So, as you can imagine, any thoughts will be gratefully received. Thankyou.

Thankyou Reallymadwoman. Unfortunately, and i think you know what's coming next, i have written to my local paper twice but my letters never appeared. Strangely, if you trip over a raised flag stone in the street and tell your story in the local rag.....your tale gets reprinted 3 times. And if your cat returns from the vets sterile when it went there for a pedicure....your story is in the paper for months. I've just noticed on this forum that my question has got 1695 views, it takes my breath away. Even if half of those readers didn't get further than my first paragraph it's comforting to know some people care.

Sallysas: Thankyou so much for your reply. I honestly didn't think anybody would be interested anymore. You've made my day honestly. On behalf of my carer thankyou also...... I'll get in touch with muy council tomorrow.

Just a very short update in case anyone else is experiencing what i've been through. Thanks to the member AwakeNow, and the links provided, i contacted 3 of my local MPs, all of which couldn't even bother to reply to my email. As of today there's still no reply. I hope they will hang their heads in shame. I've also contacted 9 solicitors in my area who specifically deal with welfare benefits, again not one single reply. Do you see a pattern developing? I've tried 3 local voluntary organisations hoping they'd help me make a fresh claim for DLA. Although they all said they'd get back to me they didn't, i contacted them again and another date was set, to date i've heard nothing else. My carer spotted a sign in our village offering help with benefit claims and so put my name down....three weeks later still no reply. I logged into my old AOL email address to find a message from Citizens Advice Bureau. Apparently the CAB guy who first helped me appeal against my DLA rejection, he told the tribunal i could get there even though i was bedridden....well this CAB guy made it clear he wouldn't ever help me, in a very condescending email it appears he now makes all the decisions at his CAB office. Funny but he seemed so helpful in the beginning ONCE i'd signed the forms for Legal Aid. Of course i had no idea the people my carer had asked for help were the CAB....i sincerely hope this CAB worker gets his come-uppence one day!! I've also made phone contact with other voluntary organisations to help me with a fresh DLA claim but most have had their funding removed or else the local council has taken over their duties. The local council obviously realise there are DLA cases that are a certainty to get through and cases that do not...hence all their time and energy is aimed at the over 55 claimant. Ironically one of the spurs to make a fresh DLA claim were the words 'refuses treatment' on my GP records and that will cost me £50...something i can't afford. Thank God the words 'do not resucitate' aren't on my records...LOL From the bottom of my heart thankyou.....thanks to everyone that took time out to suggest something. But with MPs refusing even to acknowledge correspondence, solicitors doing the same and voluntary organisations either cherry picking clients or ignoring them....it seems to me that this is an acceptable way to treat the sick and disabled today. God help us all.

Hello Mrs Ryan Sorry i am replying to your post so late. I really sympathise with you as the benefits system, as it is now, isn't interested in people like your mum and me. Because we don't neatly fit into a tick box on a DLA claim form and actually investigating our position might entail some work on their part.......it's easier for them just to palm us off with a bit of money and hope it'll shut us up. The DLA department should all resign in shame at how they treat vunerable people, and maybe they could appoint the very people the benefits are aimed at....who is better qualified than the disabled and sick themselves to make judgements on people's lives? I'm sure we couldn't make the situation any worse. I'm not sure if you are in contact with any care related organisation but i found that the Carer's Support Agency to be very helpful, they'll be in your local phone book if you haven't already come across them. I'm sure a Google search would bring up a result in your area. I really hope you and your mum get some justice...you both deserve to. Good luck and all my very best... Dave

First of all i'm touched that people took the time to reply to my post. Secondly i really do apologise for not getting back to the forum earlier. A small update: I telephoned the company who were to assess me medically and were surprised i was even on their list of people to see anyway. My Practice Manager at my GP's surgery faxed them details of my condition and within 24 hours the appointment was cancelled, i received a confirmation note confirming this and was told not to worry. So my benefit is safe until the next time.. Coincidentally it was not my GP who had faxed my medical details to the place dealing with my medical, he was on holiday. My Practice Manager was so helpful and understanding...he even had to query why i was not getting DLA...when i told him it appeared GP's now made that decision for their patients he was bewildered. AWAKENOW: Thankyou for going to so much trouble on my behalf, you really are a good person. I'll make a note of the contacts etc and get to work on sorting out the whole mess. As a postscript i have to admit the pressure of all this has made my condition worse. I believe i had a mini heart attack soon after i wrote the last post above. I don't know for sure if i did because my GP refused to come out and see me, it was left to a nurse on leave from Afghanistan, and who knew me, to help me. I'm still not sure if it was a mini heart attack as my GP's not interested but the use of my arms are now a problem and my speech has suffered. God knows how my GP lives with himself because he obviously has no concience at all.

Further to what i've written above. It now appears i am now looking at losing my Incapacity Benefit too. Which although i require around-the-clock care and am bedridden i won't be able to receive any benefits at all. A claim for my IB was submitted at the beginning of the year and yesterday i received a letter about attending a medical, despite the fact my claim clearly says i am bedridden. I have no problems with a medical, i understand they need additional information, but how in God's name am i expected to get there? I suspect my GP is at the root of this again. He's decided what i should be doing without any discussion with me. He's already been told i endured a bungled epidural procedure which makes me terrified of hospitals and he knows that somebody has written on my medical records, without my permission, that i've refused all treatment. I didn't realise GPs could control your destiny in this way. I really need legal advice as to how much pressure a GP can apply to a disabled patient thereby virtually forcing me into doing things against my will. My GP has successfully prevented me from reclaiming Disability Living Allowance, renewing my Motability car, can he really prevent me from receiving any benefits at all. Does anyone know of legal services that might listen to me? So far i've sent around 32 emails to various disabled organisations but received nothing back. I live in the North Lincolnshire area encompassing Grimsby, Cleethorpes and Hull.

For me personally, it appears i have no claim with Littlewoods catalogue according to the F.O. I joined Littlewoods insurance scheme, rather i was blackmailed into it, before the company was even regulated so according to the FO it cannot go any further because the year i joined their PPI is not the time period they are looking at. Which means Littlewoods have the last laugh even though my PPI was still ongoing during the time period the FO is looking at. It was all worth a try though.

At last the nightmare is over!! A settlement has been agreed and the cheque has arrived, but it's taken the best part of 6 months. Our bank manager finally sorted things out though Cunningham & Lindsey (our insurers) even had the nerve to lie to our bank manager several times, they weren't even ashamed of the lying and deceit saying it's part and parcel of the job. Well if lying and deliberate deceit are now openly part of the insurance industry, and they're admitting to it, the consumer will always lose out. A big thankyou to everyone who posted their thoughts....without your encouragement and insight we'd have been walked all over by our insurers.

Sorry to interrupt the flow but i have a similar question, have gone through part of the claims procedure but i'm now stuck as to what to do next. I've been a Littlewoods customer for years and in January 2000 agreed to sign up to their Extra Care Insurance, and started being charged for this on January 22nd 2000. They say a Certificate Of Insurance was sent out to me, i disagree, i can't recall to be honest. But i feel the policy was mis-sold, as i told the rep on the phone i was bed-ridden and disabled so no policy was going to pay out. But the rep insisted their policy was different and i certainly would be able to claim for something like additional illnesses. So they knew i was ill but stressed any future shopping with Littlewoods was dependent on me saying yes to the policy. I was already in contact with Littlewoods Finance Company as they'd sold us insurance for a tumble dryer, and in November of 2007 the dryer nearly killed us in a house-fire, so i thought i'd query the Extra Care Insurance policy. Luckily i'd cancelled the policy last year but still thought i could at least attempt to crawl back some money. My reply from them was business like and civil but the reasons they give for not returning any money are curious. They say their reps always read from a prepared script, therefore never make mistakes. Of course there's no mention of the blackmail attempt regarding future dealings with Littlewoods. They say that i stated i was not eligible for sickness cover but i was eligible for the following benefits of the policy: Life Cover, Critical Illness Cover, Merchandise Cover, Hospitalisation Cover & Unemployment Cover. So they knew i was ill but was still eligible for the previous benefits outlined....but how was i going to claim for these policy benefits when i was ill/disabled at the time of the policy being sold to me? And, as the policy was sold to me prior to 22nd December 2003, i'm unable to refer my claim to the Financial Ombudsman as Littlewoods were not a member of a Dispute Resolution Service and if i decided to contact the FO myself i would fail. Okay, they weren't a member of a Dispute Resolution Service prior to December 2003 but Littlewoods is part of a larger company, surely they were members of this DRS? My instinct is to pass my details on to the Financial Ombudsman, i feel the letter was written and phrased to deter all but the determined claimant. Maybe i'm wrong but i still think they owe me money from at least the year 2004 onwards. Could anyone advise me please? Thankyou.