£10 charge for PPI info from Barclaycard

bdt1

Hello, Just a quick question, have written to Barclaycard and asked for my PPI to be refunded (1st letter), received letter back from them stating I must send £10 as per Data Protection......

I thought this was only necessary for default/late charges and not the case in a mis-sold PPI case, am I right??

dunstonh

If you have requested data from them then they are allowed to charge £10. If you have sent in a letter of complaint, then no charge is required (as you are not requesting data).

In your complaint letter, have you asked for data?

bdt1

Thanks I used the template letter from MSE with regard to requesting PPI charges back. It does state 'if you are unable to provide this data, I will accept copies of my statements' - so suppose I'll just have to send them the £10.

But thanks for the reply

di3004

Hi there

As Dunstonh have already explained and if you require any details on your account(s), then a Subject access Request (SAR) may be a good idea, if you require this, there is a SAR template for this on this link here:
http://forums.moneysavingexpert.com/showthread.php?t=1475553
Enclose the payment of £10 cheque or postal order and they have 40 calendar days to comply, post at your local post office and make sure you receive a receipt to prove delivery.

And in regards of reclaiming, if you want to write a letter, personally the best action and a chance of success, its best to write in your own words, and remember to mention they have 8 weeks, also that if you do not receive a final decision that your satisfied with you will consider taking it further via Financial ombudsman service (FOS) which is a free service or smalls claims court.

However, the Financial ombudsman service (FOS) have recently issued questionnaire for the reclaiming purpose (used instead of a letter of reclaim), you will find this on the link below, further down the page as stage one, complete and save and send to whoever was responsible for selling you the product, as usual they have the 8 weeks and so on.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

amersall

bdt1 wrote: »

Thanks I used the template letter from MSE with regard to requesting PPI charges back. It does state 'if you are unable to provide this data, I will accept copies of my statements' - so suppose I'll just have to send them the £10.

But thanks for the reply

Hi there, you should have just put a letter in saying you were mis sold and the reasons, not knocking templates, but in some cases you do not have all info you need.I claimed with barclays for a friend with just the settlement figures for loans , barclays upheld and sent 2 cheques, if i were you i would save £10 and write back as i said above.This does not have to be a complicated drawn out procedure.You go for it and keep us posted xx

di3004

I totally agree amersall.:T:T:T

dunstonh

You should always amend a template to suit your circumstances. Leaving in things that dont apply or can be easily refuted can damage your chances of success. Leaving in bits about a SAR when you didnt need it just delays the issue and can create an unnecessary cost. To be honest, I am surprised the template for PPI even has a SAR in there.