Barcalycard PPI claim

Bellamaria1234

Hi, I contacted Barclaycard about the ppi on my account.
They agreed that the PPI was mis sold and made me an offer.
The thing being is that I have had this account for just over 20 years and have been actively using it, however they have based the offer backdated only upto 2005. When I questioned it thay have said I would need to provide statements for anything earlier as they don't keep anything! I don't have any going back that long, so do I take their word for it even though they agree that I paid it and that I have had the card for 20 yrears????
Is it worth me filling out one of the forms on here or going to the ombudsman?
Please help

[Deleted User]

Bellamaria1234 wrote: »

Is it worth me filling out one of the forms on here or going to the ombudsman?

No point doing anything (other than accepting their offer) unless you have proof of earlier payments from your own archive.

brown1950

Bellamaria1234 wrote: »

Hi, I contacted Barclaycard about the ppi on my account.
They agreed that the PPI was mis sold and made me an offer.
The thing being is that I have had this account for just over 20 years and have been actively using it, however they have based the offer backdated only upto 2005. When I questioned it thay have said I would need to provide statements for anything earlier as they don't keep anything! I don't have any going back that long, so do I take their word for it even though they agree that I paid it and that I have had the card for 20 yrears????
Is it worth me filling out one of the forms on here or going to the ombudsman?
Please help

Never take Barclaycards word ! If they can get away with not paying
you the full amount they will !

All claims submitted to Barclaycard without statements will receive the
usual template letter advising only 6 years records are available. I had the same from Barclaycard and when i sent them copy statements
going back to 1998 along with a copy of my agreement going back to
1989 which showed i had not ticked the usual PPI box (hence my orginal claim being upheld by Barclaycard) the response from Barclaycard has failed to address the following:-

a) Period 1989 -1998 FOS rules allow average of last two years statements to cover this period where no statements are available.
b) Period 1998 until cancellation of PPI in 2008- statements provided.

Looks like despite 6 phone calls / 8 letters/ 4 emails via Barclaycard website i will shortly have to refer this to the FOS. Talking of a claim in excess of £20,000 !

When did you start with Barclaycard ? Do you have a copy of your original agreement ? I would average your last 2 years statements
and submit that figure for the years where you are missing the statements.
No doubt Barclaycard will fob you off and would therefore suggest you
then submit you claim to the FOS.

-taff

If you're going to try to be helpful, yuo could read what the OP wrote....

Bellamaria1234 wrote: »

I don't have any going back that long,

The FOS can't magic statements into existence.

magpiecottage

In the end, it comes down to evidence and the principle that he who asserts must prove.

You can go to FOS but there is no guarantee it will agree with you.

It is also possible that if you follow brown1950's advice you may find that evidence does come to light. That MAY show the sale of the cover was non-compliant although that does not provide any evidence of how much you might have paid.

On the other hand, it might just show the sale WAS compliant - in which case Barclays would be entitled to withdraw the offer altogether.

Brown1950 will, no doubt, want to cite another thread where somebody won against Barclays recently. However, having worked for major financial institutions, I have to tell you that it can be something of a lottery as to who investigates it.

I have seen many cases which were upheld but a consumer has kicked up a fuss, wanting more redress than they were offered. This is because in one job I had responsibility for resolving them.

Two cases spring to mind involving around £100,000 (not PPI). In one I decided to offer a settlement which the complainant's solicitor immediately spotted was considerably MORE than his client was entitled to (and that I was doing it because it was still less than the cost of continuing to argue the toss).

In the other, I spotted that an assertion made by the complainant could not be substantiated and invited him to do so at my employer's expense.

When he refused, I assumed the assertion was untrue. We could have gone after him for attempted fraud but I simply recalculated the redress ignoring his assertion. I reduced the redress from £105,000 to £20,000. I only became involved because he wanted more money.

So fighting on is not without risk.

brown1950

-taff wrote: »

If you're going to try to be helpful, yuo could read what the OP wrote....


The FOS can't magic statements into existence.

I am not blind and i am well aware what the OP wrote.

Yes FOS cannot produce statements out of thin air but what they can do is (where statements are not availble ) consider a reconstruction of account covering the period of missing statements using an average of the last two years of available statements. Are you not aware of this rule ?

SimonSays

If we are going that way, prove the sale over 20 years ago was a missell and not the customer sniffing some free money.

brown1950

SimonSays wrote: »

If we are going that way, prove the sale over 20 years ago was a missell and not the customer sniffing some free money.

Original Application form shows PPI box NOT ticked - Claim from OP with statements dating back 6 years is UPHELD - so why not ask the FOS to also uphold earlier years ? If the banks in this case Barclaycard decide to include PPI without the customer asking for it then all i would say is 'If you live by the sword then you die by the sword' !

safestored4

Come off it. lf she didn't ask for it why did she pay for it for 20 years?
Assuming that there was generally a balance outstanding it would have been itemised separately on around 240 statements. Get real, this site is now infested with opportunistic chancers encouraged be the likes of yourself.

brown1950

safestored4 wrote: »

Come off it. lf she didn't ask for it why did she pay for it for 20 years?
Assuming that there was generally a balance outstanding it would have been itemised separately on around 240 statements. Get real, this site is now infested with opportunistic chancers encouraged be the likes of yourself.

So its ok for Banks to charge customers for a service they did not ask for ????