Providian/Monument/Barclaycard payment break plan **WON +£11k from Barclaycard**

[Disco_V_rescue]

Hi,

 

A while ago, I received a letter from barclaycard regarding payment break plan.

Enclosed was a questionnaire to return to make a claim for a possible refund due to mis-selling.

 

Barclays got my account from Monument and Monument got my account from Providian,

I took out the credit card with Providian way back in 2000.

PBP was paid every month until they themselves cancelled it in sept 2015, after inviting me to reclaim.

 

I've attached photos of the letter.

 

I've seen that some people have had success with PBP and am looking for any advice or tips to help me along the way please.

 

I have some but not all statements, a few from 2002/2003/2004,

most from 2007/2008/2009/2010/2011

and if I look further probably most to date

(being a bit of a hoarder might come in useful, albeit a dis-organized hoarder!!).

 

Thanks in advance

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?443589-Monument-PBP-refund-**WON-%A316k!!**

[citizenB]

What tips are you looking for veza ?

 

If you dont have all your statements you could send a Subject Access Request to Barclays this should help fill in the gaps.

You then complete one of the spread sheets from

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

Download the FOS complaint form or complete the questionnaire they sent you - take copies of everything and send one set to Barclays asking for your money back.

[Disco_V_rescue]

Thankyou,

 

Do you think Barclays would have statements all the way back to 2000, or would I need to request from Monument and Providian also?

[citizenB]

Thankyou,

 

Do you think Barclays would have statements all the way back to 2000, or would I need to request from Monument and Providian also?

 

That would then cost you £30.00 - £10.00 to each company.

 

I would have thought that whoever was the last creditor to "own the account" would have all the information required. So check out B/shark first.

 

When I helped my OH to reclaim from Tesco - there were some gaps in the statements, so I estimated what the premium would have been for those. Tesco obviously had all the information because they then filled in the gaps with their figures (which happily) was more than I had estimated.

[Disco_V_rescue]

Thank you citizenB !!

 

Does anyone know if the decision is being made on employment status at the time, I get the impression that this is a major factor?

[dx100uk]

Yes it is

See the fos website examples

[Disco_V_rescue]

Yes it is

See the fos website examples

 

So what would it mean for someone that was only ever a homemaker or self employed?

[dx100uk]

Missold?

 

Get the sar details first a

 

Plan your attack properly

[Disco_V_rescue]

Yes, I'm trying to educate myself first, do you have any links where I can read about employment examples.

 

Just want to be sure I'm filling in the questionaire properly.

 

Regards

[maroondevo52]

This FOS 'link' may help...

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi-our-approach.html

[Disco_V_rescue]

Thank you, I'll take a look.

[Disco_V_rescue]

Thank you, I'll take a look.

 

It's all so confusing !!!!!!!

[Disco_V_rescue]

Can anyone say whether being self employed alone would win my case (ie. could I have ever made a claim if I needed to) or should I also add the fact that i felt pressured into taking out cover? Over the years I telephoned several times questioning the cover and did I really need it, only to be talked into keeping it!!!

[theoldrouge]

from the fos, you need to read in connection with the original pbp t&cs

 

• A policy stated that the consumer's business "must have permanently ceased to trade" before a claim could be made for unemployment. We decided it was an onerous and unusual term because it required finality in the consumer's changed employment situation.
  
• A policy said the consumer had to show they had "stopped work because [they] could not find enough work to meet all [their] reasonable business and living expenses" before a claim could be made for unemployment. This did not require finality in the consumer's changed employment situation, so we decided it was not an onerous or unusual term.
  
• A policy said the consumer's business "must cease to trade as a direct result of it being unable to pay its debts when they fell due" before a claim could be made for unemployment. We decided it was an onerous and unusual term because it required a self-employed consumer to be insolvent before they could successfully claim for unemployment (unlike an employed consumer who had just been made redundant).
  
• A policy said the consumer had to "have involuntarily ceased trading, declared this to HMRC, be registered as unemployed, and be available and actively looking for employment". We decided it was not an onerous or unusual term, because it was comparable to what an employed consumer would have to do.
   
  though I should add that I used s/e as the sole reason in my claim for PBP, and that was sufficient to be paid
  as a "gesture of goodwill"
  

[dx100uk]

if you go read other PBP reclaims you'll see there are elements of protection for the unemployed

word you complaint/FOS CQ carefully

[Disco_V_rescue]

Thank you,

 

That's just what I am worried about.........tripping myself up!! Its Like they know they're at fault but are giving me the opportunity to say the wrong thing

 

Do you think the SAR would include t&c's from when the account was first opened in 2000 ?

[dx100uk]

usually yes

but the other threads on monument PBP cover it

 

 

dx

[Disco_V_rescue]

Sorry to be a pain but I can't find reference to any t&c's in other threads

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?364165-Monument-PBP-refund-want-to-offset-to-a-DCA-amp-debt-is-SB-d-too!-(scotland)-help-please!/page3

[Disco_V_rescue]

Thanks for that dx,

 

 

I've had a read and although it says it's available to self employed,

stating that if account holder or spouse/partner loses above 25% of earnings then a claim can be made,

 

 

however I've also read elsewhere that self employed persons need to have actually ceased trading

and notified HMRC of this to be able to make a claim.

 

 

If this is so then I have paid for a useless service for many years as I was led to believe the 'at least 25% loss of earnings' statement.

[dx100uk]

then go for that or leave it open ended

[Disco_V_rescue]

What do you mean by open ended:???:

[dx100uk]

don't nail yourself in a box...by using one reason.

 

have you the FOS CQ to fill in yet?

[Disco_V_rescue]

I see what you mean now dx

 

The questionnaire I have is the one sent by Barclays,

with the letter informing me that I got cover at a time when mis selling may have taken place

(copy of letter in my first post on this thread),

 

 

just want to be certain of everything before filling it in,

given how long ago I started paying and that the card was almost always near the limit back then,

 

 

this could amount to a large sum that would really make a difference!

 

 

I have some but not all statements to hand,

 

 

I'm thinking of sending SAR off today, as you said before, get all the facts first, then attack!