Barclaycard PPI - Employment details

[taximan45]

Hi,

I'm going through a claim with Barclaycard at the moment which dates back to the mid 90s.

 

Ive sent back the original questionnaire but

 

they have written back asking me for proof I was employed at the time.

 

I wasn't, I was self employed so I think they may be trying to trip me up,

also due to the length of time I have no proof either way.

 

Could anyone advise me how I should proceed?

[dx100uk]

never heard of them asking for proof you were self employed.

 

did you put that on the questionaiire [quite rightly]

[maroondevo52]

never heard of them asking for proof you were self employed.

 

 

I've never been asked to prove it but sometimes thought I might be, taximan45 have you no old tax returns or NI receipts from when you were self-employed.

 

Not sure how I'd reply to that one.

[jay2014]

I seen this one a capital one ppi claim form

 

it says if you were self-employed

 

i'll copy and paste the info

 

If this applies to you, you must provide evidence

such as letter from tax office (HMRC*) showing

that you were paying CLASS 2 or CLASS 4

NATIONAL INSURANCE. This must be for the

same tax year you took out the insurance.

 

then says

 

* HMRC are able to provide information for you if you no longer have it available. Please contact them

on 0845 302 1479 between 08:00 and 17:00 Monday to Friday to request your National Insurance

information and 0845 300 0627 between 08:00 and 20:00 Monday to Friday and 08:00 and 16:00 on

Saturdays to request your income information.

 

 

if you want you can see their form here : http://www.capitalone.co.uk/images/pdf/ppi-complaints-form.pdf

 

i am self employed as well and have been for the last 15 years

and face the same thing for my claims,

 

i also believed ppi in most case's didn't really count or wouldn't have paid out for most self-employed

[dx100uk]

yes its means to an end or good result in one way.

 

yu had to have ceased trading to claim on PPI

most people were say taxi/lorry drivers or alike

they didn't 'own' a firm to close

 

dx

[taximan45]

Thanks guys. Yes I am/was a taxi driver (who would have guessed! )

[maroondevo52]

Thanks guys. Yes I am/was a taxi driver (who would have guessed! )

 

Are you going to get proof and send it to them.

[dx100uk]

well the mrs has had two PPI reclaims out of BC

and they never asked for proof.

[taximan45]

Thanks for the help so far.

 

I wrote back to them saying 'refer to the questionairre'.

 

 

They have now responded but have denied my claim on the grounds that I made the application 'in branch'

and the sale of the PPI would have been made clear to me.

 

 

This was not the case,

I applied by sending off an application form,

 

 

there is no way I would have visited the branch as the nearest one was miles from where I lived at the time.

 

 

Also I would likely have ticked the box for PPi as it I thought it would make it more likely to be accepted.

 

 

Unfortunately this was back in 1996 so there is no way I can prove any of this.

 

Is there any other way forward,

 

 

should I just refer it to the FOS?

 

Thanks again

[dx100uk]

usual fob off letter then.

 

 

have you ever sent them an SAR

 

 

we have seen BC data from the late 1980's appear via sar.

 

 

dx

[taximan45]

Thanks yes, I have sent them an SAR a couple of weeks ago but haven't received it back yet.

[dx100uk]

I suggest our next move depends on if we get any useful info.

 

 

but I still feel

it matters not 'your agreed to PPI'

 

 

IT WAS OF NO USE TO YOU

THAT WAS NOT EXPLAINED

however you took it out and where

 

 

dx