PPI Reclaiming Discussion part 4

pinknico

Really pleased to read your post BGB, I hope that the FOS give you a positive outcome to complete your success. You deserve all this and more.xxx

barneybeagle

mlucyminx wrote: »

Hi there.

A big congratulations on your success.

Could you please tell me if barclays originally refused you under the "time statute barred" argument.

I currently have a claim with FOS about this and it feels like I have been waiting for ever to see if they can sort it out for me.

I took my card out with them in January 2002 and wrote to barclays in May 2002.

I got a letter back from barclays telling me that as it was over 6 years since I took the card out they were not going to pay me anything back as it is considered time barred under the statute of limitations, and it probably falls outside of fos terms of reference.

Its been with ombudsman since June 2008.

Thanks for your time

Hello Mate,

I'm working away at the moment and do not have direct access to all the stuff they have sent me, but I'll be home by the weekend and I'll dig out my stuff and let you know. If I remember rightly they tried fobbing me off once or possibly twice. It wasn't until I got to the Ombudsman that this offer came about. What ever you do, don't give up. A couple of letters, time and stamps could be worth a few bob.

I will get back to you mate.

Cheers
bb

di3004

bathgatebuyer wrote: »

Well, well, today has been a strange day. Apparently I'm being fast-tracked for a decision on account of my medical situation. Ironically, in monetary terms, things are going pretty well in that as of a fortnights time, I'll be £380 a month better off (mortgage off fixed rate, council tax arrears cleared - been paying way over the odds for the past 6 months because of arrears from 2004 I was only told about in Sept, and my pay rise coming into play). Because of this, I feel much more relaxed about money, but the medical papers and things have now had an influence with the FOS and I'm now fast-tracked (so, the panic attacks are less of an issue now I can see something of an end in place over my money troubles).

Very pleased to hear this bathgatebuyer, well done :T , its all falling into place for you now, fantastic and its about time you had this luck, just like what Pinknico says you deserve all this and much more, so good one hun.
:T :beer: :T

Di
X

bathgatebuyer

Awwww shucks, guys

I actually feel quite bad as things aren't as bad as thet were when I made the hardship claim and so many other people are struggling. Having said that, I still feel on edge over money all the time. The PPI stuff being resolved would make such a difference to being able to sleep at night, or just being able to close that chapter in my life.

So, does anyone know what fast-tracked means? Does that just mean 7 months instead of 2 years :rotfl:

di3004

bathgatebuyer wrote: »

Awwww shucks, guys

I actually feel quite bad as things aren't as bad as thet were when I made the hardship claim and so many other people are struggling. Having said that, I still feel on edge over money all the time. The PPI stuff being resolved would make such a difference to being able to sleep at night, or just being able to close that chapter in my life.

So, does anyone know what fast-tracked means? Does that just mean 7 months instead of 2 years :rotfl:

lol, don't feel bad bathgatebuyer, you have already waited long enough and had your own personal reasons for fast tracking.
So good for you and glad things are finally getting there for you.:T

I thought my lloyds credit card ppi was fast tracked at first when this was submitted in June 08 and was told they were dealing with my case in September, it wasn't until Dec they told me they were then moving it on to fast track due to a change of personal circumstances that then occurred, it was then to be moved on to adjudicator 2 on fast track and not adjudicator 1 on fast track lol.......:D
So all in all mine taken 8 almost 9 months on pay out.;)

bathgatebuyer

Hopefully fast-track means just that then! Honestly, I'm so fed up of it. I just want the next stage of my life to start and kiss goodbye to that particular account.

di3004

bathgatebuyer wrote: »

Hopefully fast-track means just that then! Honestly, I'm so fed up of it. I just want the next stage of my life to start and kiss goodbye to that particular account.

I can understand that hun and it will all eventually be behind you.;) :A
Fingers crossed. XX

maxdp

bathgatebuyer wrote: »

Well, well, today has been a strange day. Apparently I'm being fast-tracked for a decision on account of my medical situation. Ironically, in monetary terms, things are going pretty well in that as of a fortnights time, I'll be £380 a month better off (mortgage off fixed rate, council tax arrears cleared - been paying way over the odds for the past 6 months because of arrears from 2004 I was only told about in Sept, and my pay rise coming into play). Because of this, I feel much more relaxed about money, but the medical papers and things have now had an influence with the FOS and I'm now fast-tracked (so, the panic attacks are less of an issue now I can see something of an end in place over my money troubles).

Hi BGB

Am really pleased things are gradually getting sorted for you. That will be a huge amount off you mind.

Alsso really pleased that you have been fast tracked at least the system works at times.:D

maxdp

bathgatebuyer wrote: »

Awwww shucks, guys

I actually feel quite bad as things aren't as bad as thet were when I made the hardship claim and so many other people are struggling. Having said that, I still feel on edge over money all the time. The PPI stuff being resolved would make such a difference to being able to sleep at night, or just being able to close that chapter in my life.

So, does anyone know what fast-tracked means? Does that just mean 7 months instead of 2 years :rotfl:

Tee Hee You got that right BGB:rotfl:

TheBigDog

mlucyminx wrote: »

Hi there.

A big congratulations on your success.

Could you please tell me if barclays originally refused you under the "time statute barred" argument.

I currently have a claim with FOS about this and it feels like I have been waiting for ever to see if they can sort it out for me.

I took my card out with them in January 2002 and wrote to barclays in May 2002.

I got a letter back from barclays telling me that as it was over 6 years since I took the card out they were not going to pay me anything back as it is considered time barred under the statute of limitations, and it probably falls outside of fos terms of reference.

Its been with ombudsman since June 2008.

Thanks for your time

Hi Minx,

Your case will not be time barred by the FOS. Many companies are trying to hide behind time barring for ppi complaints hoping that you will go away. The FOS rules for time barring are that you can complain from either 6 years from when the product was sold, OR (this is a very important OR), 3 years from when you knew, or should have reasonably known, there was a problem. It's the second one that catches them all out. Barclays will find it damn near impossible to prove that you should have known about this problem over 3 years ago, so the claim will still be adjudicated on. The problems in the ppi market have only recently come to the fore in very recent times, so no ppi complaint should be time barred at present.

Good luck.

TBD.