Barclaycard reject PPI

will9535

Found out today Barclaycard rejected my PPI claim, I used their online claim form through Barclays website.
how can I attach the letter on here ?

InsideInsurance

You cant unless you scan it as an image, upload the image somewhere and then embed the image in a post

[Deleted User]

will9535 wrote: »

how can I attach the letter on here ?

There is no need to attach the letter on the forum.

If you feel the complaint has been rejected unfairly, you can refer your complaint to the Financial Ombudsman. Details of how to do this will have been included with your rejection letter.

If there are aspects of the rejection you don't understand, then ask away...

Nasqueron

will, unfortunately as per the text in the other post you made, Barclays have proof that you ticked the box to say you wanted PPi on a postal application. The bank was thus not involved in the sale of the PPI, therefore you were not "miss-sold" but rather, you "miss-bought"

They claim I ticked the box on a posted application but I cant really remember.

Unless you can prove otherwise (as you are the accuser, it is your burden of proof, not them to disprove) then that is what happened - they will have records of how you applied.

I didn't even realise I had PPI until I got an annual statement showing PPI at £50 PCM following a balance transfer.

PPI is only paid when you have a card balance, if it was not on your statements before that (as you paid them in full, for example), then you didn't actually pay any. Doing a BT and not paying the sum in total would thus have triggered the PPI as your account then had a balance.

I was under the impression PPI was mandatory

How could it be mandatory if it was a box you had to tick on the form? Leave this claim out of any referral to the FOS, you can't prove it.

I received full sick pay and had savings to cover the balance at all times.

What is "full sick pay"? x number of months at full pay? That has to cover your total loss of income from work, not just the CC bill. If you had savings, why would you leave a balance on the card paying 10-25% interest on it?

I highlighted fact that the policy was not explained to me in any detail (tick box) cant even remember ticking it back in 1995, who's to say I did tick it.

You are the accuser, you have to prove that is the case, not the bank having to prove innocence. They have records showing you ticked the box, unless you have a copy of the form without the box ticked it's a non-starter

It was not explained to me that the payments were on a sliding scale linked to credit card balance.

So why did you tick the box to say you wanted it? You claim to not remember any of the details of the application yet you also claim to remember you believed it was mandatory - those 2 points contradict each other which weakens your case.

As you can see from above Barclays contradict their decision, in one breath they say you ticked the box, we didn't advise you and in the other breath they say I made an informed decision based on the information provided

There is no contradiction there, they are making a statement that you chose to tick the box based on the information they put in the application form, they are not claiming to advise you, simply referring to the promotional material sent out with the form.

Barclaycard claim their rejection was based on the fact that they
* Told me PPI was optional
* Told me about any exclusions
But I cant prove this.

That is why your complaint failed - they have the facts and you are claiming they are wrong without any evidence.

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All you can do is bump it over to the FOS and ask an adjudicator to look at it. You may get lucky - if the PPI element only showed up when you did a balance transfer and you were paying off the balance in full before that you would have paid no PPI anyway so they may roll-over and give you back the small amount to avoid the FOS fee. If you paid a substantial amount of PPI, expect the bank to defend the claim.