Trying to reclaim PPI from Barclaycard

[damstac]

Hi there,

 

I'm trying to reclaim PPI from Barclaycard and

 

have received a letter from them stating that I applied for my card by post and was therefore not mis-sold.

 

I actually applied for the card when I was 18, as it was my first credit card

I applied in a local Barclays branch and the application was completed by a member of staff and all I had to do was sign the form!

 

I have requested a SAR and received a blank copy of my original application form with no signature on???

 

Please could I have some advice as to what I should do next?

should I send another letter and if so what should I say?

 

Any help would be much appreciated

[honeybee13]

Hello and welcome to CAG.

 

I'll move your thread to the PPI forum, where the guys should be able to point you in the right direction. They should be along later.

 

There will be a short term redirect for you to follow from this forum to the new one.

 

My best, HB

[t18con]

how long ago are you talking ? they were able to supply my wife with her CCAs, and they were from 1995. did they send statements etc?

[damstac]

Hi, yes they sent all of my statements together with a blank application form. I opened the account in 1994.

[t18con]

I would push them again for the CCA. someone more knowledgeable will give a more expert answer though.

[PPIGA]

To be clear - "I'm trying to reclaim PPI from Barclaycard and have received a letter from them stating that I applied for my card by post and was therefore not mis-sold"

 

By this, do you mean you have filed a complaint against them, and received a "Final Response" letter?

[damstac]

Yes, I requested a SAR first, and then completed the consumer questionnaire. This is the response I received (I'm assuming this is a final response letter)

[dx100uk]

never ever give up on the first fob off letter.

 

you were told in a closed room that you had to have PPI?

 

the rep filled the form out

...sign here.

 

they got a healthy commission out of you.

 

you need to tell BC that the form was posted by the branch

[std procedure for that time]

 

have you told BC these things?

 

dx

[damstac]

Not as yet, I wasn't sure if I was to send a second letter i.e if they have closed my case now they have made a decision.

[dx100uk]

99% of companies now simply send a predominantly templated reply

selecting one of many fob off options

to see if the complainant can be brushed off.

 

DONT GIVE IN.

 

how did you complain?

 

did you use the FOS CQ? and send a spreadsheet detailing the required reclaim figures?

 

if you didn't then any company will treat it as a 'speculative claim'

and fob you off.

 

dx

[damstac]

I used the CQ template from Moneysaving expert website. I didn't supply a spreadsheet as didn't know that I was supposed to :-/

[dx100uk]

ok .

 

so you now need to tell BC that their decision is unfair as

the application form was filed out by their inbranch sales staff

and you were told you had to have PPI.

 

dx

[damstac]

Thankyou for your advice, will keep you updated with outcome

[damstac]

Hi there,

 

Barclaycard have today sent me another pile of information

(duplication of my original SAR request)

 

this time with a copy of my signed application form.

 

It is an easy application form (simply sign and return)

however as previously mentioned I took this into a branch for help with completion as it was my first credit card.

 

Both PPI and Barclaycard protection sections are ticked but not by myself.

 

I am assuming this is their response to my letter even though it hasn't been acknowledged.

 

I'm not quite sure what to do next or even if there is anything I can do?

 

Any help would be much appreciated.

[dx100uk]

prob more sar stuff

 

dis you write back?

 

dx

[damstac]

Yes i sent a letter based around what you said to put. This is what i have received back.

[dx100uk]

unless they have put in their covering letter

 

in reply to your complaint letter dated: DD/MM/YYYYY

it is not.

 

dx