Barclaycard

[blokeandbird]

Hi. Quick question. I've just had an offer on my ppi. Card was taken out in sept 2001 but they have only done the calculations from that date up to May 2010. Policy was still in force until I cancelled it last month. Any ideas why they have done this. Thanks for any help

[dx100uk]

did you send them an sar to get all the statements?

 

 

dx

[blokeandbird]

No I didn't. Would I need to considering they have admitted it was mis sold and they have paid out on the first 9 years but not the more recent 5 years. Thanks.

[dx100uk]

well without all the info

you can never question if its right or wrong

 

 

at this stage you could ask why they've not included past 2010

 

 

could be the interest stopped then.

or the card was closed

could 1001 reasons.

 

 

is the card still active?

you sy the PPI was

but that doesn't mean you were still paying for it.

 

 

more history needed

 

 

dx

[blokeandbird]

Hi. Thanks for your reply. Yes the card is still active and since 2010 it has probably had the most debt on it lol. I will give them a call on Monday and see what they say. Thanks for your help

[SabreSheep]

No do not call.

You will not get real answers.

 

Full subject access to barclays. Get the data to calculate the correct redress with help from us here.

 

Unlesd you want to throw money away

[blokeandbird]

Thanks. My sister had the same letter from them about her claim and she said she spoke to them and they told her that the payments she has been making for the last few years were for a payment break plan and not ppi. I've just checked my statements and mine also say payment break plan. Is it worth following this up with a sar request.

 

Also, i don't know if it would make any difference but I haven't been working since 2009 due to having 3 children so would the payment break plan of been any good to me anyway, or it that not their problem. I have never signed anything to say I wanted it.

 

They have credited my bank account with their offer this morning without me accepting it if that makes any difference. Should I just accept it?

 

Thanks again

[dx100uk]

probably an old Monument or Providian card then

they payment break plan [same as ppi even though they'll tell you its not PPI]

 

 

you would need to do a spreadsheet after getting all the statement to know if the refund was correct [easy to do]

 

 

dx

[blokeandbird]

They state in their letter that they are paying up to 2010 (even though I have continued paying the 'payment break plan' fee up until last month' . So what I am really asking is 'Is it possible to claim for payment break plan being mis sold from 2010 to date or would I be wasting my time. Thanks.

[dx100uk]

if you were payin it from xx date to XX date

their refund should cover the whole period at their APR

[blokeandbird]

Thanks. I've just wrote to them asking how I can complete the rest of my claim as they have only sorted out part of it. Thanks for your help

[dx100uk]

don't forget that SAR

 

 

dx

[blokeandbird]

One more thing. Will an SAR cover all of my accounts with them. Thanks

[dx100uk]

yes. if they are all within the same 'group'

 

 

dx