ppi won but they paid off card balance

government_slave

Hi
I have just won my ppi reclaim against littlewoods credit card [barclaycard]. It was £550.
However they wrote today that because the account is in arrears they were using the ppi to pay off the balance on the card they are not just paying the arrears however they have paid the whole balance due £445 and credited the rest to my card for the future so i now have a credit. I cannot use the card however as there is a default against it and it is cancelled.

They have failed to supply a cca whatsoever on the account and i put the account in dispute hence the arrears but the arrears are only £56.70!!!!

CAN THEY DO THIS???? :mad::mad:

Thanks in advance

marshallka

I take it this was not done through the FOS here? I think they can actually do this if you have arrears from what some of said on here but i would think that you could get the balance from the card by writing to them and explaining. Otherwise you could perhaps ask the Ombudsmans advice here.

government_slave

marshallka wrote: »

I take it this was not done through the FOS here? I think they can actually do this if you have arrears from what some of said on here but i would think that you could get the balance from the card by writing to them and explaining. Otherwise you could perhaps ask the Ombudsmans advice here.

Thanks marshallka.

No it wasnt done through FOS I did it myself.
I thought that they could only take the arrears and nothing else as the raiming balance isnt yet due and even though they have issued a default they have not yet asked for the whole amount but I am probably wrong.

Will try and contact the FOS next week

government_slave

I could use some advice please, I dont know what to do next.

I wrote to Littlewoods [Barclaycard] re them taking my ppi reclaim to pay off the whole balance. I have heard nothing except to have Mercers constantly writing and threatening doorstep collector even though the letter I had from Littlewoods [Barclaycard] said they had used ppi to clear balance.
In fact they have done nothing at all they have not answered my letters. I have written to Mercers telling them they have to contact Barclaycard for the payment of the arrears as I have won my PPI claim and Barclaycard have stated in a letter that they were paying the balance [Mercers havent replied].
Last week I had a statement and it was clear that Barclaycard have done nothing because nothing has been taken off the balance at all. All they have done is added late charges and interest.
I wrote again last week clearly outlining that I wanted my money by cheque within 7 days [that deadline has now passed], and all I have had back is a letter saying that they were investigating my complaint and they would write again by 7th Sept.

Where do I go from here please? I am at a lose to know what to do next.

There is now also an extra months interest to add to my claim [seeing as they still have the money]. Can I ask for that also when they eventually write to me?

Thanks in advance..

di3004

government_slave wrote: »

I could use some advice please, I dont know what to do next.

I wrote to Littlewoods [Barclaycard] re them taking my ppi reclaim to pay off the whole balance. I have heard nothing except to have Mercers constantly writing and threatening doorstep collector even though the letter I had from Littlewoods [Barclaycard] said they had used ppi to clear balance.
In fact they have done nothing at all they have not answered my letters. I have written to Mercers telling them they have to contact Barclaycard for the payment of the arrears as I have won my PPI claim and Barclaycard have stated in a letter that they were paying the balance [Mercers havent replied].
Last week I had a statement and it was clear that Barclaycard have done nothing because nothing has been taken off the balance at all. All they have done is added late charges and interest.
I wrote again last week clearly outlining that I wanted my money by cheque within 7 days [that deadline has now passed], and all I have had back is a letter saying that they were investigating my complaint and they would write again by 7th Sept.

Where do I go from here please? I am at a lose to know what to do next.

There is now also an extra months interest to add to my claim [seeing as they still have the money]. Can I ask for that also when they eventually write to me?

Thanks in advance..

Hi there,

I would tell them if you hear nothing by 5 days you will complain to the Financial ombudsman service (FOS), meanwhile contact the FOS anyway and see what they suggest, by explaining the problems your having with them right now, good luck.;)
http://www.financial-ombudsman.org.uk/contact/index.html

marshallka

government_slave wrote: »

I could use some advice please, I dont know what to do next.

I wrote to Littlewoods [Barclaycard] re them taking my ppi reclaim to pay off the whole balance. I have heard nothing except to have Mercers constantly writing and threatening doorstep collector even though the letter I had from Littlewoods [Barclaycard] said they had used ppi to clear balance.
In fact they have done nothing at all they have not answered my letters. I have written to Mercers telling them they have to contact Barclaycard for the payment of the arrears as I have won my PPI claim and Barclaycard have stated in a letter that they were paying the balance [Mercers havent replied].
Last week I had a statement and it was clear that Barclaycard have done nothing because nothing has been taken off the balance at all. All they have done is added late charges and interest.
I wrote again last week clearly outlining that I wanted my money by cheque within 7 days [that deadline has now passed], and all I have had back is a letter saying that they were investigating my complaint and they would write again by 7th Sept.

Where do I go from here please? I am at a lose to know what to do next.

There is now also an extra months interest to add to my claim [seeing as they still have the money]. Can I ask for that also when they eventually write to me?

Thanks in advance..

Could you maybe make an appointment with your manager at your local Barclays and take along all the paperwork etc and get it sorted quickly .(just a suggestion if its actually a Barclaycard??).

I would also do like Di says and get in touch with FOS but you certainly need to get all the charges they have added dropped. ALso write to them by recorded delivery and state you are now taking this to the FOS and also may contact a solicitor for hassling you when "they" stated that you no longer had a balance on your card.

government_slave

Thanks for the info di3004 and marshallka.

I phoned the FOS this morning and I have now completed a complaint form and sent it to them Recorded Delivery.

See what FOS does its in their hands now im not wasting any more time on Barclaycard.

Thanks again :T

di3004

government_slave wrote: »

Thanks for the info di3004 and marshallka.

I phoned the FOS this morning and I have now completed a complaint form and sent it to them Recorded Delivery.

See what FOS does its in their hands now im not wasting any more time on Barclaycard.

Thanks again :T

Your welcome.;)
Good luck, the FOS should sort this out for you.X

isy1011

I am currently trying to reclaim PPI with Barclays firstplus. They have offered me £1200 to come off balance off my loan however that still leaves nearly £4000 of a PPI loan that I feel was missold on top of my loan. Im pressing to get all my payments and interest back plus the remainder of the loan taken off plus 8% statutory interest. Is this right?

pinknico

Yes isy1011 if you have been mis sold they should pay you what you have already paid of the PPI plus 8% and take the rest off the loan and put you in a position as though you never had PPI.