Anyone claimed with Barclaycard????

jackdaniels1208

I lost my job 5 months ago and tried to claim on my PPI for my Barclaycard which went through AXA Insurance who also looked after my Capital One card's PPI. I was told at the time of claiming that I had a valid claim so I completed all forms and was contacted to be told that I couldn't claim. I complained about this and recently received a cheque from Capital One-woo hoo!!

Today I've received a letter from Barclaycard who have also decided to refund me £1931.32 which is great but they will not issue a cheque and will only pay the refund directly onto my card account. The reason for me complaining in the first place is due to the fact that I can't claim against my PPI, I have had to enter a special payment plan which took a few months to organise and in the meantime I had to pay the same monthly premiums as I did when I was working so I am out of pocket. Even now when I'm in the payment plan, I'm still paying more per month than I would had my claim been successful.

Do the companies have to pay the refunds onto the account or is it just up to the individual companies? Has anyone else had any similar issues with Barclaycard and advise me of the outcome of their cases?

Many thanks in advance.

fedrightupgirly

Hi
I had exactly the same situation. Wouldnt allow me to claim on the PPI and refunded all the PPI onto both barclaycards. I owed 16K on the two cards and they reimbursed me 24k in total for PPI paid by me that was basically mis sold, however they would not pay me the 24k direct and only the balance was reimbursed directly to me.

Premier_2

fedrightupgirly wrote: »

Hi
I had exactly the same situation. Wouldnt allow me to claim on the PPI and refunded all the PPI onto both barclaycards. I owed 16K on the two cards and they reimbursed me 24k in total for PPI paid by me that was basically mis sold, however they would not pay me the 24k direct and only the balance was reimbursed directly to me.

That is essentially what the FOS (and probably any court) does order. i.e. that any error made is rectified so that it puts the complainant into the position they would be in if the error had never occurred.

i.e. If it is agreed the charges were inappropriately taken, the account will be made to the condition that the charges were never originally made.
If the complainant hasn't actually paid those charges in the first place resulting in an alleged debt, that alleged debt will be anulled.

There's no free money in any of these reclaim attempts.

hicskis

By Premier:
There's no free money in any of these reclaim attempts.

Yes there is when you know how!

Premier_2

hicskis wrote: »

Yes there is when you know how!

You can't just leave it it that! :eek:

Put me down for a couple of £million please :rotfl:

hicskis

By Premier:
You can't just leave it it that!

Why not - i've already explained how - however if you want the money then you can earn it youself.

Sorry quick edit - forgot the reason for the thread - yeah i claimed from Barclays and Barclaycard at the same time - they are one and the same you know - i put both my bank and credit card accounts together and went after the legal person (entity) - Barclays Bank Plc that owns them both.

Got a skiing holiday out of it from what i recall.

never-in-doubt

hicskis wrote: »

Yes there is when you know how!

Actually there isn't - not in relation to what was being described by Premier. As he correctly stated, the way PPi refunds work is that they refund any account first and foremost and any balance left will be refunded directly to the claimant, if relevant.

If you pursue a compo claim for their mistakes then that is different altogether, but in relation to the actual point at hand; if you reclaim PPi or charges they are always put back to the account of origin which is intended to clear any outstanding debt, with any balance being paid to you separately. The reason for this is that it puts the account back to the status it [STRIKE]was[/STRIKE] should have been at prior to the mistake occurring.

So from your quote of a free skiing holiday, you mean you got compo of around a grand then? i.e. the same value as both FOS fines would total if they let it go that far...

confused90

Premier wrote: »

There's no free money in any of these reclaim attempts.

If some takes money from you that they shouldn't have taken then you reclaim it back then thats not free money is it? it's your own money they are giving you back.

However, if you are the one taking the money which you shouldn't be taking for a non existant (void) insurance policy then your taking money for nothing, so i'd say thats free money....

So in actual fact there is free money in these reclaim attempts, it's in the bankers back pockets and they should give it back, in whatever form we tell them to......theiving barstewards....bankers think the fcuking world owes them a fortune:mad: fcuking leeches:mad:

wow, that turned onto a fair old rant...lol

never-in-doubt

hicskis wrote: »

Why not - i've already explained how - however if you want the money then you can earn it youself.

What a ridiculous response to give someone! I have never seen where you previously explained - we're not here to trawl for your posts, if you make a claim then at least have the decency to respond with the same respect we show you....

hicskis wrote: »

Sorry quick edit - forgot the reason for the thread - yeah i claimed from Barclays and Barclaycard at the same time - they are one and the same you know

Nope - they are two separate companies that operate and trade independently from each other. If you tried to go to court with a Barclaycard debt and a Barclays Bank debt then it would go as two separate cases - not one. That's almost as bad as saying if you took Tesco to court, you could double up with RBS as they provided the finance to the Tesco cards.....

Maybe you claimed something that i'm unsure of here, but in court this would be classified as two separate claims.

hicskis wrote: »

- i put both my bank and credit card accounts together and went after the legal person (entity) - Barclays Bank Plc that owns them both.

As explained above - the Tesco scenario puts paid that your claim. I can also use HBOS & Sainsbury or HSBC & M&S... want me to go on...?

hicskis wrote: »

Got a skiing holiday out of it from what i recall.

You got some compo you mean, which you used to go skiing with? Bit different to getting a skiing holiday!

hicskis

Here are two links - The first is to Barclays Bank Plc's home page - you'll see the link on the right hand side to their Barclaycard company.

http://www.bank.barclays.co.uk/PersonalBanking/P1242557947640

The second shows you what Barclays Plc Own - inculding the Credit Card Company.

http://en.wikipedia.org/wiki/Barclays

Before ranting away at me then you should have an understanding of how the Law works....get your facts right.......and then be constructive. There's a clear difference between companies held within a group than those that offer their services to outside companies like Tescos and RBS.

If a company has screwed up then you'll get more than the money back plus interest. I've been here - you obviously haven't.

never-in-doubt

hicskis wrote: »

Here are two links - The first is to Barclays Bank Plc's home page - you'll see the link on the right hand side to their Barclaycard company.

http://www.bank.barclays.co.uk/PersonalBanking/P1242557947640

The second shows you what Barclays Plc Own - inculding the Credit Card Company.

http://en.wikipedia.org/wiki/Barclays

Before ranting away at me then you should have an understanding of how the Law works....get your facts right.......and then be constructive. There's a clear difference between companies held within a group than those that offer their services to outside companies like Tescos and RBS.

If a company has screwed up then you'll get more than the money back plus interest. I've been here - you obviously haven't.

You do not make any sense - Barclays Bank and Barclaycard are two totally different accountable companies each with their own company registration number, both file separate returns and both have different directors/board members.

My point here is that legally you could not merge the two together as you'd be seeking redress from two different companies.

Maybe you need to learn the law here mate - not me! What have I got to gain by arguing with you, other than a far greater understanding of how this works than you evidently have.

Forget sending me to Barclays - look at their company numbers! That'd be a good start.... were you aware branch staff cannot override Barclaycard decisions and vice versa...? :rotfl: