PPI help Barclaycard

[fuzzgun19]

I was wondering if anyone could advise on a possible PPI claim?

 

My husband had 2 credit cards a long time ago. One with Providian (approx taken out 2001), and one with Barclaycard (approx taken out 1998/97).

 

We have no statements, but do have both account numbers.

The Providian one was sold to Cabot in approx 2004.

 

These were both cleared in approx Aug-Dec 2007.

 

I think both had PPI on them, but I'm not 100% sure, and can't check statements as we have none now.

 

We would like to try to claim back the PPI, but are not sure how to go about it. I cannot use the calculators as I have no idea how much the PPI may have been.

We haven't pursued this before as we thought accounts older than 6 years didn't qualify, but have found out today that it doesn't matter how old.

 

As we're not 100% if there was PPI on these, should I just send initial letters to both companies and see what comes back? or do we have to be certain there was PPI?

And which letters would we send first?

[Buncrana]

I was wondering if anyone could advise on a possible PPI claim?

 

 

 

My husband had 2 credit cards a long time ago. One with Providian (approx taken out 2001), and one with Barclaycard (approx taken out 1998/97).

 

 

 

We have no statements, but do have both account numbers.

 

The Providian one was sold to Cabot in approx 2004.

 

 

 

These were both cleared in approx Aug-Dec 2007.

 

 

 

I think both had PPI on them, but I'm not 100% sure, and can't check statements as we have none now.

 

 

 

We would like to try to claim back the PPI, but are not sure how to go about it. I cannot use the calculators as I have no idea how much the PPI may have been.

 

We haven't pursued this before as we thought accounts older than 6 years didn't qualify, but have found out today that it doesn't matter how old.

 

 

 

As we're not 100% if there was PPI on these, should I just send initial letters to both companies and see what comes back? or do we have to be certain there was PPI?

 

And which letters would we send first?

 

 

 

 

Yes it can be done, I did it.

 

I'm on holiday just now, all my documents are at home.

Please pm me and I'll dig out what i can when i get back next week

[dx100uk]

you'll need to send each an sar to get the statements

 

dx

[fuzzgun19]

Thanks.

 

Both of these cards were taken to a debt management company in Sept 2002, so I don't know if any PPI would still be applied to the accounts after this.

 

If I send SAR's to both, it may cost more than the PPI, that's why I was thinking to just send initial letters to both?

[dx100uk]

but without the info

 

you'll never know if the refunds ARE correct

 

most companies diddle 'speculative' one letter reclaimers with interest you should get.

 

dx

[fuzzgun19]

but without the info

 

you'll never know if the refunds ARE correct

 

most companies diddle 'speculative' one letter reclaimers with interest you should get.

 

dx

 

Ok thanks.

 

Am I right in thinking Barclaycard took over Providian?

 

If this is the case, would one SAR plus the £10 fee get me all the information relating to both PPI agreements?

[dx100uk]

yep

 

was provi then monument then bc

 

dx

[fuzzgun19]

yep

 

was provi then monument then bc

 

dx

 

Ok. Do I send 2 different SAR letters and 1 £10 Postal Order in the same envelope, or can I put both account numbers on the same one letter?

[dx100uk]

an sar is for ALL info on YOU

 

account numbers, are, not necessary as such.

 

Nothing to stop you adding a line to say that it is NOT limited to these numbers

 

dx

[fuzzgun19]

Ok, I'm sending the SAR tomorrow.

 

Do I have to add some thing stating the address I was using at the time (I've moved since).

 

And is it ok to put in a cheque instead of a PO?

[dx100uk]

sure

however it is always useful to attain some form of proof of posting

 

this can be done FREE at the PO counter

 

and if you use a postal order, you'd be there already

 

ifyou have moved

put your old address in a line yes

 

and it might bean idea to inc a copy of a util bill

oe

your ctax bill to prove who/where you are now

 

as they sometimes wriggle

 

dx

[fuzzgun19]

Do I just make the payment payable to Barclaycard?

[dx100uk]

yes

 

dx

[Buncrana]

Hi,

 

I done this about eight months ago.

 

My account was in default, under the CCCS, and I done a partial settlement to pay it off.

 

I provided the account number, and sent off a claim, just on the off chance that I would be due something back.

 

I got a result.

 

I ended up with just under £700-00 back on mine.

 

I wish I could go into the reasons on here why this was the sweetest PPI refund I received, a CMC were involved to give you an idea, but it would not be recommended

 

Go with it, you never know, and I'd like to wish you the very best of luck with this

 

Buncrana

[fuzzgun19]

Thanks Buncrana. I viewed my credit report today, and the Barclaycard was opened Dec 1998, and went to a Debt management Co in Oct 2001. There's no mention of the Providian Card on the credit report though

 

I sent the SAR today, so will update when I hear something.

[fuzzgun19]

Does anyone know the answer to this.

 

If a credit card goes to a debt management company, does an PPI carry on...or is it cancelled because of the arrangement?

[dx100uk]

only you can cancel it.

 

 

dx

[fuzzgun19]

Thanks for clarifying DX.

[fuzzgun19]

From reading other Barclaycard threads, it seems they only send the last 6 years statements after a SAR request.

 

As these 2 accounts were settled more than 6 years ago, I expect Barclaycard will reply with a fob off letter.

 

What do I do then if I can't get any statements?

[dx100uk]

well jump that hurdle when it comes

 

we have known some quite remarkable turn arounds

 

ask slick!

 

dx

[slick132]

Hi Fuzzy - looking in as asked.

 

I'd expect PPI would stop being charged when the a/c was passed to collections or a DCA.

 

BC will only provide SAR data for 6 years at first but we know they have data in one form or another going back further.

 

There are successes for BC users who have taken court action to get older data from BC. BC may also provide older data in some PPI claims.

 

Obviously, you are less likely to get older data for an a/c that was not a BC a/c at the time.

 

Are there penalty charges on the a/c's as these can be reclaimed in full, plus compound interest.

[fuzzgun19]

Thanks slick.

 

So basically, I'm wasting my time/money sending a SAR?

 

There probably was penalty charges on both accounts, due to us being in financial difficulties at the time, but as I have no statements I have no way of checking how much/ if there was any.

 

Considering I probably won't get any statements from BC, in the case of PPI, would it be worth just sending the initial claim letter and see what happens?

[theoldrouge]

Ok thanks.

 

Am I right in thinking Barclaycard took over Providian?

 

If this is the case, would one SAR plus the £10 fee get me all the information relating to both PPI agreements?

if I remember correctly Barclaycard did not take over Monument cards [and were selective as to which acs they bought] until late 2009, so your SAR for Providian card should go to Monument [51 saffron Rd leics] and I know from a recent SAR reply, they hold details back to 2001- and dont be put off by monuments thinly disguised PPI the infamous Payment Break Plan!!

[fuzzgun19]

if I remember correctly Barclaycard did not take over Monument cards [and were selective as to which acs they bought] until late 2009, so your SAR for Providian card should go to Monument [51 saffron Rd leics] and I know from a recent SAR reply, they hold details back to 2001- and dont be put off by monuments thinly disguised PPI the infamous Payment Break Plan!!

 

Ok, but too late as I already sent the one SAR to Barclaycard following advice on here.

 

Should I send another one to Monument (formy Providian PPI)?

[theoldrouge]

yes to Monument for Providian info