PPI Reclaiming Discussion part 4

sammyx

hi all have put claim in for ppi against barclaycard but they say i did not have a active ppi but on my statement i am paying a( payment protection plan )is this the same as ppi thank you

di3004

sammyx wrote: »

hi all have put claim in for ppi against barclaycard but they say i did not have a active ppi but on my statement i am paying a( payment protection plan )is this the same as ppi thank you

Hi hun

Do you have the policy for this onhand.
I thought they would be the same, maybe because you pronounced it as PPI, and they do not they are just stalling on this, if you know what I mean?
Do you know what this payment protection plan supposed to cover you for altogether?
To me its the same.

They may be pulling a fast one???

Please remind us, is this a normal bank card or a credit card? cheers X

di3004

sammyx wrote: »

hi all have put claim in for ppi against barclaycard but they say i did not have a active ppi but on my statement i am paying a( payment protection plan )is this the same as ppi thank you

Just came across this here below:

http://www.barclaycard.co.uk/personal-home/insurance/payment-protection/plan-b/

Plan B™ for a Barclaycard

It pays to have a Plan B™

Getting Plan B for your Barclaycard means you have back-up for your Barclaycard repayments if the unexpected happens.

This valuable cover:

• Protects your Barclaycard balance each month
• Offers cover for accident or sickness, provided it is not pre-existing, and for involuntary unemployment. If you claim, it could pay out up to 10% of your outstanding Barclaycard balance each month for up to 12 months.
• Can pay off your Barclaycard balance in full (up to £15,000) if you were to die.
• Is conveniently charged to your Barclaycard account. If you have no balance, you pay nothing.
• Offers different levels of cover so you can have the one that is right for you and only pay for what you need

Protect my Barclaycard payments

I would say this was optional and if they have sold you this and you did not want this, you should still be able to reclaim on this, that is of course if this is the cover you may have.;)

sammyx

thank you for your response when l phoned fos they suggested l write to barclaycard for a signed agreement that l can not remember signing the card was paid off 5yrs ago

di3004

sammyx wrote: »

thank you for your response when l phoned fos they suggested l write to barclaycard for a signed agreement that l can not remember signing the card was paid off 5yrs ago

Your welcome.;)

So have you actually now got the CCA (the copy of the agreement for this)?

di3004

I was going to suggest requesting a SAR (Subject Access Request), this way they should provide all they have on you going back as far as 6 years, if you live in England or Wales, Scotland they only normally go back as far as 6 years, not sure about anywhere else.

That's the thing isn't it?
If its a while ago its a job to remember that far back and not only that it seems that years ago they just mainly automatically added protection anyway.

If you have not a CCA, then you can still try your luck for requesting for this, with a payment of £1 in postal order of cheque payment, they should supply by 12 days, if they cannot provide it they should write to let you know and return your payment.

However, a SAR request may help if you have not done this.
But there is a charge of £10 postal order or cheque payment for this request, they have 40 days to comply and send all they have on you as possible as asked on the SAR.

The link to the SAR template letter here:
http://forums.moneysavingexpert.com/showthread.html?t=1475553

sammyx

no l have not requested any thing yet but with all this advice coming in l will be taking your advices and make progress and once again thank you to all will keep u updated:rolleyes:

di3004

sammyx wrote: »

no l have not requested any thing yet but with all this advice coming in l will be taking your advices and make progress and once again thank you to all will keep u updated:rolleyes:

With pleasure Sammy.;)

We are here to help you through this.
Keep on at them, good luck.;)

beaniebabe

Just read a few posts about the latest on Picture Finance!
I rang them the other day and I must be honest I did not get much positive response. They could not say when Picture would be declared in default and would not give any timescale! Same old thing again!
However I did ask if the whole thing would be settled in time for THIS Christmas!! (stressing Christmas 2009!) and they assured me it would be sorted by then!
I know its not much consolation but at least there is a glimmer of light somewhere in that long tunnel!!!
GUMBI If you are out there have you heard anything from your inside source!

di3004

beaniebabe wrote: »

Just read a few posts about the latest on Picture Finance!
I rang them the other day and I must be honest I did not get much positive response. They could not say when Picture would be declared in default and would not give any timescale! Same old thing again!
However I did ask if the whole thing would be settled in time for THIS Christmas!! (stressing Christmas 2009!) and they assured me it would be sorted by then!
I know its not much consolation but at least there is a glimmer of light somewhere in that long tunnel!!!
GUMBI If you are out there have you heard anything from your inside source!

Hi beaniebabe

Thanks for posting this up and I'm sure everyone will be grateful for this.;)X