*** Barclaycard - no reply to PPI claim letters ***

[Tenmen10]

Hi Ladies and Gents,

 

well, I sent a claim to Barclaycard regarding a Mastercard and Visa which I took out way back in 1995. One of the cards was closed in 2004, the other in 2005 but I thought I've got nothing to lose by sending a letter, so off I went.

 

I'm lucky that I still have my letters received when I closed these accounts as well as letters from the Insurers. I also have a report from Checkmyfile from a few years back so all my dates for these accounts are in order. I would certainly recommend to everyone on CAG using this and Experian for checking on your debts and outgoings, I've found them invaluable.

 

Anyway, this and my other claims for mis-selling are based on the fact I have a pre-existing medical condition (Diabetes, I'm on Insulin) which I've suffered for 34 years. I've never been asked and its certainly never been put forward that any claim could be rejected due to my condition.

 

I've sent 2 letters to Barclaycard the first request in March giving them the 8 weeks allowed to reply, then in May a second giving a further 2 week both letters sent by Recorded Post and both signed for.

 

Up to now (31st May) I've not had any correspondence from Barclaycard regarding these accounts!!

 

My question is what or who next? Due to the length of time since the accounts were opened and closed would I be best going through the FOS or the FLA who I've been referred to in similar cases? I've not heard too much positive with the FLA they seem pretty toothless from what I've read but then what do I know? Is there another body someone might recommend?

 

I'm fighting on a few fronts at the moment and its refusal after refusal lately but I've started so may as well try and finish. Any suggestions on this one would be appreciated,

 

Theres more to come,

 

Tenmen10

[ims21]

Hi

 

If the 8 weeks are up then fos would be your first port of call.

 

You can consider court action but you would need all of the amounts paid for PPI and I would guess that you don't have that info?

 

SAR would get you some but probably not all, this being due to the passage of time.

 

In addition court can be a bit of a pain because the onus of proof (civil burden on the balance of probability) would be on you as the claimant.

 

ims