Barclaycard PPI mis-selling and over limit charges

[PWPOS]

I have recently sent off my initial letter to Barclaycard claiming that I had been missold my PPI on my Credit Card. they have responded with a letter containing a questionnaire. Some of the questions refer to how I made the original application etc... Sadly I do not remember a lot of the information they are requesting. Is it my responsibility to answer these questions (even though they presumably know the answers themselves) or should I ignore it and go to the next stage?

 

In addition I would like some advise regarding over limit charges. I have ALWAYS paid the minimum repayment on my card each month. however, at some stage a year or so ago my card has gone over its limit. This must have been to do with charges as I have not paid for anything on the card for many years. As my direct debit is instructed to take the minimum payment surely this should always take enough to avoid my account rising above the agreed limit. I am now being charged £12.00 per month along with PPI insurance and interest. It is staggering and because my card is over the limit I am unable to take out a 0% deal with MBNA. My credit file is otherwise unblemished and (for what its worth) currently reads 999/1000 with Experian.

 

Please advise!!!

[tosh1]

Hi.

 

Have you a sar to get all the statements?

 

Tosh1

[dx100uk]

you dont have to answer all the ppi questionaire bits

 

just put unknown or leave blank or put n/a

 

its just a delaying tactic anyhow.

 

but sent it back

 

wait 8 weeks from your 1st letter then off to the fos!

 

as for the unlawful charges

 

get em back at their int rate and demand any defaults on your cra are removed as they were solely the result of their unlawful charges

 

dx

[PWPOS]

you dont have to answer all the ppi questionaire bits

 

just put unknown or leave blank or put n/a

 

its just a delaying tactic anyhow.

 

but sent it back

 

wait 8 weeks from your 1st letter then off to the fos!

 

as for the unlawful charges

 

get em back at their int rate and demand any defaults on your cra are removed as they were solely the result of their unlawful charges

 

dx

 

 

Thanks for your advise. Are these charges "unlawful"? How do I prove this?

[dx100uk]

you dont need to worry about that as such

 

they know the score.....

 

have a read of a few threads in the barclays forum

 

dx