Need advice RE: PPI from Barclays & PBP from Monument

[km1988]

It's been a while since I had to use the advice on this forum, which is a very positive thing!

 

Anyway, I am currently trying to help a relative claim back PPI from Barclays and PBP from Monument.

 

1. Barclays have replied to state that apparently the relevant box was ticked and so there can be no claim. I reckon there's more than a hint of male bovine excrement about that statement but am unsure how to proceed.

 

Exact wording from the letter is;

"Following my investigation I have identified that your application for PPI was submitted by post. This means that at the point of applying for PPI we did not give you any advice."

Then goes on to explain all the details that provided eligibility.

 

Basically I am aware that the 'you ticked the box' excuse is being rolled out, but don't know where to go from here.

 

2. Monument replied that 'without admission of liability' they could offer of a few hundred pounds. Firstly, they seem to have worked this out based on only 3 years data when (I will have to double check) I think the account is much older than that. Secondly, they say "Refunds will only be offered on condition that any monies still owed from the original debt are offset by the refund." - This account is still being paid off and the refund will not offset the full amount - but surely they can't do that!? Also, is 'PBP' just a stinkweed by any other name? It seems like they're trying to use the different term for legal squirming room.

 

So, that's my situation and any advice on how to proceed would be most welcome.

 

Thanks

 

km1988

[citizenB]

If the account is still with Barclayshark, then unfortunately, yes... they can offset against any arrears. If it has been assigned to a 3rd party though, then it should come to your relative.

 

Did you send a Subject Access Request to Barclayshark in order to obtain statements for the account so that you could see how far back the PPI was being applied to the account ?