Barclaycard PPI help

[craig73]

hi all,

i am trying to help a friend to claim his PPI on his barclaycard but i'm unsure as to which way to fight it best.

I will try to keep it short and sweet and explain what i know about his situation.

 

My friend applied for the card in 2003 and the box for PPI is not ticked,

however he did tick the box asking for card protection for one year for £16.

 

I have done a SAR but the statements are missing from 2003 to 2004 but PPI is showing through the lifetime of the account.

 

In the data log there is no PPI or insurance products flag and is showing no insurance or PPI present on the account.

 

In 2005 accidental death cover shows on the statements being charged at £5.95 a month,

this is somthing he has never asked for along with the PPI.,

 

 

then in october 2008 these payments suddenly stop and

in november they refund all the payments back into the account?.

In their data log it say's customer changed his mind.

 

 

In the same month the PPI is now showing on the statements as optional payment protection.

 

I dont know how best to try and reclaim this because

if i say that the box was not ticked they will more than likely say that it was agreed to over the phone and it was a non advised sale etc.

 

Any help would be great thanks.

[dx100uk]

in oct 2008 I bet it was an advised sale.

 

 

go get em

 

 

from what you've posted

theres enough there to nail them.

its not consistent.

 

 

dx

[craig73]

Thanks for your reply dx

 

The card was taken out in 2003 so they could argue it was an non advised sale even though the box was not ticked.

 

As for the AD cover are right in saying it's not consistent, if I took out home insurance and said I've changed my mind two years later they wouldn't refund the premiums so why have barclaycard done this.

 

Something not quite right there I think.

[craig73]

Any thoughts anyone

[dx100uk]

I would put in an FOS CQ

and simply say the PPI box etc was not ticked

why has the OP been charged PPI and etc.

 

 

just use ONE reason

the rest can come out latter if necessary

 

 

dx

[craig73]

Hi all

 

When I work out the PPI on the spreadsheet do I calculate the interest up until the date the account was closed or to the present day?

 

Thanks

[dx100uk]

Present logic appears to be 24.9% till they settle so leave it alone

It will auto update each time it's used

 

DX

[dx100uk]

CISheet v101.xls