Barclays CC PPI Rejection Letter received

[Longleigh10]

Hi everyone,

received a rejection letter a couple of months ago.

 

Just looked at it again and it states PPI was still active on the account and to contact them if we wanted to cancel.

 

We've not used this cc for years.

 

Does this mean we'll receive a refund of the premiums we've paid through cancellation of the policy?

[ims21]

If you don't want or need it then cancel it.

 

What reasons did you give for the mis-sale?

 

What reasons did they give or not upholding your complaint?

 

Did you complete at least a fos consumer questionnaire to submit your claim?

[Longleigh10]

Hi,

yes I submitted the ombudsman questionnaire.

I don't have the original paperwork,

so went with the statements that

'we were not given correct info',

'not sold in our best interests',

'would like to have been given oppotunity to shop around',

and

'sales person did not state it was optional'.

 

They came back with

'application submitted by post and after reviewing documentation they state it accurately described

the scope of the policy and was sufficient to provide all info. necessary to inform of T&Cs'.

 

Should I ask them for further proof of this?

and will 'cancellation' of the policy trigger a refund of premiums paid?

Thanks

[dx100uk]

who filled out and posted the application

you or a shopping centre mogul?

 

dx

[Longleigh10]

me probably, but I really can't remember, so I should seek a sars I guess to see the paperwork

[dx100uk]

well poss, but as the a/c is still active? a CCA might be better

or

an sar including a line about a copy of all/any policies etc

 

you've already indicated that the sale person did not explain etc etc.

 

might be an idea to 'expand' on this

and say the sales person filled the appl out and you just signed it.

 

dx

[Longleigh10]

sorry, it's been a while what is CCA?

[dx100uk]

ask for a copy of the agreement

 

in the library green tab top right

 

though i'd p'haps SAR them though

inc that extra line

 

dx

[Longleigh10]

great, thanks, found the letter in the debts section