PPI Reclaiming Discussion part 4

Del_Astra

Firstly let me say what an excellent resource this site is / has been to me over the last two weeks. I will try and keep this brief.

I have two (possibly three) decent claims I believe, as had I needed to claim I suspect I wouldn't have got anywhere so I was sold something I could not use and in one case I think it was included as it was a pre-populated option.

Here goes.

Claim1: Currently still have this credit card and use it, 9 time out of 10 the balance is paid in full each month. From the T&C's I don't think I would be able to claim due to being covered elsewhere and already having critical illness cover and a policy that protects should I be made redundant. I suspect this was added via a pre-populated field online, it was taken out in 2004 and I still have it now.

My first questi?n is should I cancel it (the PPI) or try to cancel before claiming. I think by making a claim it will be cancelled? My 2nd question is should I claim myself (I'm siding towards this) our pay a 3rd party to do it for me - this will become clearer with claim 2.

Claim 2: A bit more complex (and possibly creating a 3rd claim), A credit card I took out in the late 90's and closed / cancelled in July 2011. I opened it with Abbey National, so I assume I am now claiming against Santander? Abbey / Santander transferred this credit card to MBNA, don't have the dates to hand, would this then be another claim with MBNA for the time it was with them?

With Claim 2 do I actually have 2 claims here? one for the period it was with Abbey/Santander and 1 for the period it was with MBNA? It does go back a number of years so again would I perhaps be better getting a 3rd party to do it on my behalf?

I am siding with doing it all myself, the doubts I have are about the length of time I am going back and the fact claim 2 was with Abbey then Santander then MBNA. Again I am pretty sure I would have taken it out in branch however I would not have been able to use it had I tried to make a claim. Clearly this was just carried over to MBNA.

I am looking at filling in the forms today, just not sure if a 3rd party would be the better way to go.

Thanks in advance for any assistance.

eirelav1962

hi beamerguy do i go to the fos about barclays or just phone them up and

Joannie51

I got rejection from Barclaycard too it was originally Morgan stanley so have asked them to provide the morgan stanley application as in their letter they are saying that Barclay card sales process at the time of the sale required our staff to state that the policy was optional and that their staff fully discussed everything etc etc. Well how could they if it was morgan stanley.... What did your rejection say.

eirelav1962

hi joannie51 it says we have identified your application for ppi was submitted by post it said i positively selected this product as aresult we are not able to uphold your complaint but my card was orig
ninally with morgan stanley what did u do about this thanksx

Joannie51

Hi thanks for reply......Phoned them AGAIN for a copy of the original application form from Morgan Stanley they just keep saying its being tracked. Will probably end up taking it to the FOS.

eirelav1962

i will call them just now and tell u what they say x

eirelav1962

hi joannie they said they will send it out in next couple of days see if comes i just phone the fos

Joannie51

Hi....When did you take the Morgan Stanley card out :cool:

beamerguy

eirelav1962 wrote: »

hi beamerguy do i go to the fos about barclays or just phone them up and

Hi PM me with your email address and I will send you letter to send to Barclaycard

beamerguy

Joannie51 wrote: »

I got rejection from Barclaycard too it was originally Morgan stanley so have asked them to provide the morgan stanley application as in their letter they are saying that Barclay card sales process at the time of the sale required our staff to state that the policy was optional and that their staff fully discussed everything etc etc. Well how could they if it was morgan stanley.... What did your rejection say.

Hi PM me with your email address and I will send you the letter to send to Barclaycard