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Barclaycard - A very bad situation
Comments
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We don't all rely on credit cards and your financial "health" isn't very healthy if you have to rely on credit.0
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Just go to post #7 and follow the simple steps. You'll need to sign a new agreement in order for the card to be re-activated. Everything you said here is already explained in the aforementioned postRight, I spoke to a nice young lady at Barclaycard who had to refer my call to their "Section 78" department. It seems that Barclaycard cannot provide a copy of my original T&Cs since I've had that card for many years. That leaves them open to potential legal action (by me). Threatening to suspend my card account was a legal safeguard for themselves. They will get back to me within 48 hours with their 'findings'. I have offered to withdraw my request for T&Cs to see if that will ease the situation.
This isn't true.It seems to me that you should not submit a PPI request unless you have a very strong feeling that you have been mis-sold and have a strong case. A casual enquiry can have these unfortunate consequences.
You haven't made a "casual" PPI request, you've made a section 78 demand for your agreement.
It's the MSE advice article to blame here for not informing of the consequences should the Bank be no longer able to provide the agreement. The advice is given as a (usually simple)way of getting account numbers etc without spending £10 on a SAR, but it's not a trap for the unwary.
You are still free to complain.I wish I'd never heard of PPI.
Remember, no one has to have the agreement in order to complain.
All you needed was the account numbers of the card and PPI and valid and verifiable complaint reasons
I hope that now clears all the confusion.0 -
It seems to me that you should not submit a PPI request unless you have a very strong feeling that you have been mis-sold and have a strong case. A casual enquiry can have these unfortunate consequences.
Not really. They think you're trying to get out of paying a debt so they took action.
I'm not sure why you would want to make a query about it. Either you are going to complain about it, in which case, look at your statements, if it's on there, you're paying it, or you still want it, so you do nothing.
You can still make a complaint when the card is active. All that will happen is that the PPI will hopefully be cancelled and your complaint will be investigated.Non me fac calcitrare tuum culi0 -
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That leaves them open to potential legal action (by me).
No it doesnt. It means that they cannot enforce the debt in the courts. You cant take legal action against them.It seems to me that you should not submit a PPI request unless you have a very strong feeling that you have been mis-sold and have a strong case. A casual enquiry can have these unfortunate consequences.
The problem was that you didnt need to get the agreement to make a PPI complaint. The agreement isnt needed for that. So, they had good reason to suspect you were doing it to get out of paying the debt.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Barclaycard were true to their word and called me back today. We have agreed that I will withdraw my PPI complaint (even though it wasn't a complaint just a request for T&Cs) and they have agreed not to suspend my card account. I've had that VISA card for some 20 years and do not have PPI now but I wanted to check if I did have PPI in the dim past. I didn't, so no complaint is required. Thanks to all who contributed considered and helpful responses. I am saddened by those who sought to ridicule my forum post.0
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By ridicule, do you mean disagree with what you wanted to hear? Because all the posts in this thread were just peoples opinion and both sides were argued politely.0
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Thanks to all who contributed considered and helpful responses.
you are welcome.I am saddened by those who sought to ridicule my forum post.
I dont see ridicule in the responses. Unless someone deleted a post. I see honest and straight answers.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
By ridicule, do you mean disagree with what you wanted to hear?
I dont see ridicule in the responses. Unless someone deleted a post. I see honest and straight answers.
There were several deletions, as evidenced by the moderator edit at post #5 and my reference to the personal attacks in the first sentence of post #70
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