Ppi claim with bank

Shell0407

Hi, i had noticed that ive been paying £4 a month ppi with my bank, Barclays? Will I get it back and how much?

dunstonh

Will I get it back and how much?

You havent mentioned your reasons for complaint. So, we cant give any comment

[Deleted User]

Shell0407 wrote: »

Hi, i had noticed that ive been paying £4 a month ppi with my bank, Barclays?

What exactly have you cancelled? £4 a month doesn't sound like any PPI policy. Why would you get a refund?

Shell0407

I apologise-i rang my bank on the weekend asking them why am I paying out £4 a month, was told i pay PPI, i took out an overdraft back in 98 and that is what the ppi is for!! Did not even realise i pay PPI till beginning of this yr as it never showed on my statements till then but ive definetely bn paying it since then, this was the information barclays gave me! All i wanted to know was if anyone with past experience etc knew appeox how much id get back?! Ive just sent off a claim back that barclays themselves advised me to do!

[Deleted User]

Shell0407 wrote: »

All i wanted to know was if anyone with past experience etc knew appeox how much id get back?

If your complaint is successful, you'll receive a refund of all PPI paid plus attendant interest plus 8% simple interest.

If you have paid £4 a month since 1998 (sounds unlikely), that's £48 a year for 16 years.
Can you tell us why this payment didn't appear on your statements? Have you actually had an overdraft for those 16 years? Basically, if it didn't appear on your statements, it means you didn't pay it.

Shell0407

Why are you being so negative towards me?!!! I HAVE been paying that much since then, its the bank thats told me so!! Do you have access to my bank account? No! I dont know if i didnt just notice or not, i dont know, i never look at my statements!!yes i have, was 18 in the april and took out an overdraft in june and always had 1 since!

[Deleted User]

Shell0407 wrote: »

I dont know if i didnt just notice or not, i dont know

Clearly, I don't know (or particularly care) either. My responses were in simply in reply to your assertions which you've now recanted.

tomtontom

Shell0407 wrote: »

Why are you being so negative towards me?!!! I HAVE been paying that much since then, its the bank thats told me so!! Do you have access to my bank account? No! I dont know if i didnt just notice or not, i dont know, i never look at my statements!!yes i have, was 18 in the april and took out an overdraft in june and always had 1 since!

Calm down, people can only respond to the information given.

Are you saying you have always been in your overdraft or you have the facility available to you? How is this charge detailed on your account?

Shell0407

Sorry but why say 'its unlikely' when i HAVE been?! Always been in it, been told today by my bank i CAN claim it back, all i wanted to know was how its worked out. And yes always used my overdraft

tomtontom

So again, how is the charge detailed on your account?

Anyone is entitled to make a claim for a PPI refund, but you will need to have a valid reason for that claim to be successful. What is your reason for complaint?

It is very concerning that you have been overdrawn for 16 years. If you visit the Debtfree Wannabe board they will help you to better manage your debt.

[Deleted User]

tomtontom wrote: »

It is very concerning that you have been overdrawn for 16 years.

Would any Bank actually countenance this? I sincerely doubt that the overdraft has been continuously in the red for that period of time..