Ppi claim with bank

[Deleted User]

sun73 wrote: »

Overdraft ppi complaints with this bank are mostly upheld if there's none or little evidence of the actual sale.

Can you provide a link or other evidence for this assertion?

£4 a month is hardly "adding to the debt" in any significant way.

Shell0407

Im a housewife, husband works, im a carer for my great grandmother, as i have my child tax, child benefit going in each week my bank was happy with everything and even offered to 'up' my overdraft, to which i declined!. I really cant remembers sun, i was a trainee hairdresser until i was 18 then went on to do my nursing a while after

[Deleted User]

Shell0407 wrote: »

Im a housewife

This is the first thing you've said that indicates you may have reason to complain about the insurance. If you have never worked, then you have never needed employment insurance!

Shell0407

Thank you sun!!

tomtontom

Shell0407 wrote: »

Im a housewife, husband works, im a carer for my great grandmother, as i have my child tax, child benefit going in each week my bank was happy with everything and even offered to 'up' my overdraft, to which i declined!. I really cant remembers sun, i was a trainee hairdresser until i was 18 then went on to do my nursing a while after

Have you never worked?

Placida

Shell0407 wrote: »

And anyway, that should of been my choice to take the PPI out, it was mis-sold to me

On a more positive note, search the forum for 'Barclays overdraft ppi'. There are many posts and threads about making a complaint about this policy. Some posters ( including myself) had paid this from the late 90s.

sun73

No, I do not wish to provide a link or any answers to your questions. This is for someone asking for help and not expecting to have their queries treated with such rudeness and inconsideration.


How many banks charge at least 5 time that amount for the privilege of going over drawn? So, yes a £4 charge can add to the debt. It is all relative to what is and is not significant to each individual's personal circumstances at the time.

[Deleted User]

Shell0407 wrote: »

P I took out the overdraft (obviously) at which time I was working,

It's your circumstances at the time of the sale which determine whether it was mis-sold to you. If you were working at the time of purchase then we are back to square one (again).
EDIT:
I see the original post has since been edited to make it appear I am being deliberately obtuse..
I'll take my leave of this thread...

Shell0407

I did work for a short time tom, i had my children then, my opinion on having kids are-they are mine, i had them and didnt want strangers looking after them, hope this doesnt offend anybody but thats my opinion :-) i often say to my mother that i wish i could go back to my younger days and start my life all over again, would change everything but my babies! If i can claim it back i will, ive now cancelled it as I have never needed it, i agree sun, £4 every month builds up :-(

Shell0407

No i wasnt working money, hence why I accepted the overdraft