Barclaycard PPI CLAIM QUESTION

electribem

Sorry in advance for posting this here also.

Please, I need some help with this.

On the 5 December 2011 I put in one of 3 claims to Barclaycard. Two claims have been rejected which I am now taking up with the ombudsman. The other claim dates back to October 1999. I phoned Barlycard recently to ask for an update on this claim. I was told that they never received it! I found this very odd as all claims were sent in the same envelope using Royal Mail Special Delivery. Anyway this claim was re-submitted then and there over the phone.!

Now the history of this claim gets a bit complicated so please bear with me. I got a Morgan Stanley Dean Witter Card in 1999. This had PPI on it that I was not aware of. I continued to pay PPI on it through the time it got swapped over to Goldfish which then got swallowed up by Barclaycard in 2008. So effectively I have been paying PPI for roughly 13 years. Fortunately for me (not so much for my other claims. re: my other posts on here) I have all the paper work including the Morgan Stanley Dean Witter Card Payment Protection Plan Certificate Of Insurance, original unsigned Payment Protection Plan slip and a few statements ranging over the years. The certificate of insurance was devised by !Norwich Union Insurance Limited. I was told on the phone recently that I am with AXA Insurance. Is that one in the same?!

I have a few questions that I need answers to before I crank this claim up full throttle. Firstly is Barclaycard responsible for the Morgan Stanley Dean Witter and Goldfish years !of my claim? !Barclaycard have already conveniently lost my original claim sent on the 5th December 2011, which I am upset and frustrated about. I got the standard letter from Barclaycard yesterday saying they have received my claim and if I have not already done so to fill out the financial ombudsman questionnaire. Do I send them a copy of the one I have already or call their bluff and wait until the 31st May for a decision?
Do I need to amend what I have said in Section E do you think?
In Section E: about your complaint, of the financial ombudsman questionnaire I wrote-
Sale took place either online, phone or by post
Information was posted to my home address, insurance cost, benefits and T&C's information was included
I asked no questions about the insurance in fact I didn't know I had it until I phoned Barclaycard in late 2011 to make a late payment and was told by customer services. This was well after me writing to Barclaycard with a 28 day no action letter and subsequent correspondence. I couldn't have made a claim then as I was classed as self employed. Is that lot the right things to say here in that section?
I also said I was unhappy because Barclaycard have been fined by the FSA for unfair treatment of their customers with regards to PPI. Barclaycard made no attempt to review the policy or update me in anyway. Also said it was mis-sold due to temporary worker status now although that may be a bit thin as I wasn't in 1999.

Cheers. :money: :money: :money: :money: :beer:

dunstonh

I got a Morgan Stanley Dean Witter Card in 1999.

That may be why it got "lost". Barclaycard inherited a number of cards through purchases but the people dealing with the complaints may not deal with the inherited company complaints in the same way they deal with original Barclaycard complaints.

Firstly is Barclaycard responsible for the Morgan Stanley Dean Witter and Goldfish years !of my claim?

Liability follows the ownership. So, yes.

Do I send them a copy of the one I have already or call their bluff and wait until the 31st May for a decision?

You can send in the copy you already have as long as it is changed to reflect this card and not any of the others (chances of you having the same complaint reason with all of them is unlikely)

I couldn't have made a claim then as I was classed as self employed.

Is that stopping you making a claim? most PPI plans do cover the self employed. Some dont or some have restrictions that are too heavy to make it viable to be offered to self employed. Using this complaint reason only works with those that dont cover self employed or have too many requirements.

I also said I was unhappy because Barclaycard have been fined by the FSA for unfair treatment of their customers with regards to PPI.

Which is largely irrelevant as that is a corporate issue and not an individual issue.

Barclaycard made no attempt to review the policy or update me in anyway.

They have no requirement to do so. That is between you and your financial adviser.

Also said it was mis-sold due to temporary worker status now although that may be a bit thin as I wasn't in 1999.

Mis-sale, as the name suggests, relates to the sale of the product. The person in 1999 would not have a crystal ball to the future