Carcraft / barclays : S

singingkettle

Hello All,

I am new here if anyone could please help me or point me in the right direction I would be very greatful.

The problem started in August 2008. My partner bought a car which he needed to get to work. Being brassic he bought it from Carcraft.

Because it was a little car and the loan was for less than 5k, he ended up gettin two loans, one from Barclays and one from a random company. The Barclays one was for 5 years, and the other loan was for three.

At Carcraft (or Carshaft as we call them ; )) we went into the little room so he could sign the paperwork. He explicitly told the woman several time he did not want PPI and she stated he would not have PPI although recommnded he did.

Low and behold when he started statments from Barclays he had a £6 monthly PPI charge. I noticed this and told him to contact them but he didn't :rolleyes:

Now he has been made redundant and attempted to claim on the PPI. He was told it only applied if he died. He would never have agreed to this.

He has written to cancel it but I have two questions:

1. Can he cancel it? I havent read the fine print but is it likely?
2. What are the chances of him claiming back all the monthly PPI payments.

How will the fact it was sold through carshaft affect this? I actually have a form in the carcraft ladies handwriting stating that she recommended PPI but he declined.

donotpassgo_2

singingkettle wrote: »

Hello All,

I am new here if anyone could please help me or point me in the right direction I would be very greatful.

The problem started in August 2008. My partner bought a car which he needed to get to work. Being brassic he bought it from Carcraft.

Because it was a little car and the loan was for less than 5k, he ended up gettin two loans, one from Barclays and one from a random company. The Barclays one was for 5 years, and the other loan was for three.

At Carcraft (or Carshaft as we call them ; )) we went into the little room so he could sign the paperwork. He explicitly told the woman several time he did not want PPI and she stated he would not have PPI although recommnded he did.

Low and behold when he started statments from Barclays he had a £6 monthly PPI charge. I noticed this and told him to contact them but he didn't :rolleyes:

Now he has been made redundant and attempted to claim on the PPI. He was told it only applied if he died. He would never have agreed to this.

He has written to cancel it but I have two questions:

1. Can he cancel it? I havent read the fine print but is it likely?
2. What are the chances of him claiming back all the monthly PPI payments.

How will the fact it was sold through carshaft affect this? I actually have a form in the carcraft ladies handwriting stating that she recommended PPI but he declined.

Spout handle lid of metal whats inside the ...........singing kettle.:p

Sorry just had to do that takes me back to when the kids were wee, think I can still sing all the songs.

Welcome SingingKettle, I would say you have three good points to claim on. 1/ Carcraft document declining ppi, 2/ Explicitly told carcraft didnt want ppi 3/ only paid out in death which wasnt explained at the time even if you had wanted it.

I'm sure Di or Marshallka will give you better help. Good luck and welcome again.

singingkettle

Hiya and thank you, my wee brother loved the show and I randomly got the song in my head when I was signing up :rotfl:

Do you think we should approach Car Craft or Barclays in the first instance?

donotpassgo_2

singingkettle wrote: »

Hiya and thank you, my wee brother loved the show and I randomly got the song in my head when I was signing up :rotfl:

Do you think we should approach Car Craft or Barclays in the first instance?

I would think your claim would be with car craft as they did the paperwork but I will pm Di and Marshallka to get them to help you.

Keep in touch and good luck.

marshallka

singingkettle wrote: »

Hello All,

I am new here if anyone could please help me or point me in the right direction I would be very greatful.

The problem started in August 2008. My partner bought a car which he needed to get to work. Being brassic he bought it from Carcraft.

Because it was a little car and the loan was for less than 5k, he ended up gettin two loans, one from Barclays and one from a random company. The Barclays one was for 5 years, and the other loan was for three.

At Carcraft (or Carshaft as we call them ; )) we went into the little room so he could sign the paperwork. He explicitly told the woman several time he did not want PPI and she stated he would not have PPI although recommnded he did.

Low and behold when he started statments from Barclays he had a £6 monthly PPI charge. I noticed this and told him to contact them but he didn't :rolleyes:

Now he has been made redundant and attempted to claim on the PPI. He was told it only applied if he died. He would never have agreed to this.

He has written to cancel it but I have two questions:

1. Can he cancel it? I havent read the fine print but is it likely?
2. What are the chances of him claiming back all the monthly PPI payments.

How will the fact it was sold through carshaft affect this? I actually have a form in the carcraft ladies handwriting stating that she recommended PPI but he declined.

Hi singingkettle, I think you certainly have a case for misselling and proof also to back it up.

You need to write to Carcraft if they actually sold you the Loan and PPI and I would enclose the proof of you declining also and then you give them 8 weeks for a full and final response. Don't forget to send everything recorded delivery though so you have proofs.

ALso where he tried to claim on the PPI and it only covered death so they say, have you got any paperwork with the terms and conditions of the PPI at all?

Reclaiming guide here
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Good luck

marshallka

donotpassgo wrote: »

I would think your claim would be with car craft as they did the paperwork but I will pm Di and Marshallka to get them to help you.

Keep in touch and good luck.

cheers donotpassgo.;)

di3004

Cheers Dontpassgo and Marshallka.....;)

I see this have been sorted now.:D

di3004

singingkettle wrote: »

Hello All,

I am new here if anyone could please help me or point me in the right direction I would be very greatful.

The problem started in August 2008. My partner bought a car which he needed to get to work. Being brassic he bought it from Carcraft.

Because it was a little car and the loan was for less than 5k, he ended up gettin two loans, one from Barclays and one from a random company. The Barclays one was for 5 years, and the other loan was for three.

At Carcraft (or Carshaft as we call them ; )) we went into the little room so he could sign the paperwork. He explicitly told the woman several time he did not want PPI and she stated he would not have PPI although recommnded he did.

Low and behold when he started statments from Barclays he had a £6 monthly PPI charge. I noticed this and told him to contact them but he didn't :rolleyes:

Now he has been made redundant and attempted to claim on the PPI. He was told it only applied if he died. He would never have agreed to this.

He has written to cancel it but I have two questions:

1. Can he cancel it? I havent read the fine print but is it likely?
2. What are the chances of him claiming back all the monthly PPI payments.

How will the fact it was sold through carshaft affect this? I actually have a form in the carcraft ladies handwriting stating that she recommended PPI but he declined.

Hi there

I would follow the advice you have been given above, go for it, you do seem to have a good case here.

Good luck with this and please keep us posted, and ask for help anytime.;)

singingkettle

Thank we will dig everything out on Saturday morning and get something sent off.

I don't think we have a copy of any PPI documents but I will have a look.

I will keep you posted as to how it goes.

donotpassgo_2

singingkettle wrote: »

Thank we will dig everything out on Saturday morning and get something sent off.

I don't think we have a copy of any PPI documents but I will have a look.

I will keep you posted as to how it goes.

I didnt have much documentation just that we were paying it so far had good results so keep at it, it is your money after all.