PPI Claim Rejected but Overturned

blackgardenia

Hi everyone! I'm new here but I hope someone can help.

I used a claims company to claim back PPI from Barclays a few years ago which was rejected. However, this week I was contacted by Barclays who are now saying they were wrong to reject my claim and will be awarding me the money after all.

Of course, the PPI company I initially dealt with are now asking for their share. Surely if the the claim was initially rejected then the case was closed? Or will I still have to pay them? I suspect I know the answer but it's worth asking the question anyway.

dunstonh

Of course, the PPI company I initially dealt with are now asking for their share. Surely if the the claim was initially rejected then the case was closed? Or will I still have to pay them? I suspect I know the answer but it's worth asking the question anyway.

You can argue your case with them but typically, you would expect the claims company to enforce it. After all, you paid them to post the envelope containing your complaint. They did that. So, they did the job you agreed them to do. They are not responsible for Barclays getting it wrong.

You could contact Barclays and tell them that you revoke the authority to contact the claims company. That may prevent the CMC from finding out.

Insider101

blackgardenia wrote: »

Hi everyone! I'm new here but I hope someone can help.

I used a claims company to claim back PPI from Barclays a few years ago which was rejected. However, this week I was contacted by Barclays who are now saying they were wrong to reject my claim and will be awarding me the money after all.

Of course, the PPI company I initially dealt with are now asking for their share. Surely if the the claim was initially rejected then the case was closed? Or will I still have to pay them? I suspect I know the answer but it's worth asking the question anyway.

Did you get given your FOS rights in the decision letter? Why did you not go to FOS? Did the CMC suggest or encourage you to go to FOS? Did they even discuss it? How much is your offer and how much would you potentially have to pay them?

I would refuse flat out to pay them. I think they have some nerve. Not only did they fail to get you the redress you were obviously entitled to (it's not quite that simple but that's how you argue it), but their negligence in failing to take the matter to FOS, which is a very basic next port of call, may have cost you the redress you were entitled to. Indeed, had it not been for the bank they were so keen to vilify proactively doing the right thing, you would never have got the redress.

If they won't back down then make a complaint and advise them that unless they back down you will go to the Legal Ombudsman, a course of action that will cost them £350 just to have the matter reviewed. If it's not a massive amount of money, you may find that they give it us as more hassle than it's worth.

Insider101

dunstonh wrote: »

You can argue your case with them but typically, you would expect the claims company to enforce it. After all, you paid them to post the envelope containing your complaint. They did that. So, they did the job you agreed them to do. They are not responsible for Barclays getting it wrong.

You could contact Barclays and tell them that you revoke the authority to contact the claims company. That may prevent the CMC from finding out.

The way I read the original post, that particular horse has already bolted, hence no point shutting the proverbial stable door now!

magpiecottage

Who is the PPI company? Lets name and - well I was going to say shame but I suspect they are incapable of being shamed.

addedvaluebob

I quite agree, lets name and shame Barclays for lying to the customer in the first place and attempting to limit their corporate liability by misleading people with genuine complaints

Nasqueron

addedvaluebob wrote: »

I quite agree, lets name and shame Barclays for lying to the customer in the first place and attempting to limit their corporate liability by misleading people with genuine complaints

I wonder, did the unnamed claims firm tell the customer they could do it themselves for free and they had no more chance of success using them?

magpiecottage

Nasqueron wrote: »

I wonder, did the unnamed claims firm tell the customer they could do it themselves for free and they had no more chance of success using them?

They can adapt one of the templates on this thread to make the complaint.

magpiecottage

addedvaluebob wrote: »

I quite agree, lets name and shame Barclays for lying to the customer in the first place and attempting to limit their corporate liability by misleading people with genuine complaints

You are the one who keeps telling us that your beloved CMCs stop this sort of thing happening.

This thread (and others) demonstrate how untrue this is.

Insider101

addedvaluebob wrote: »

I quite agree, lets name and shame Barclays for lying to the customer in the first place and attempting to limit their corporate liability by misleading people with genuine complaints

I almost bit on this, but you're not genuinely that stupid so are obviously just trolling!

blackgardenia

They literally did nothing - I only found out my initial claim was rejected because Barclays sent me a letter saying so. They (Investor Compensation) did not in any way encourage me to write to or contact FOS nor did they on my behalf. They haven't any way been instrumental in Barclay's reviewing my case since then. I feel they have done nothing to deserve this payment.

Insider101 wrote: »

Did you get given your FOS rights in the decision letter? Why did you not go to FOS? Did the CMC suggest or encourage you to go to FOS? Did they even discuss it? How much is your offer and how much would you potentially have to pay them?

I would refuse flat out to pay them. I think they have some nerve. Not only did they fail to get you the redress you were obviously entitled to (it's not quite that simple but that's how you argue it), but their negligence in failing to take the matter to FOS, which is a very basic next port of call, may have cost you the redress you were entitled to. Indeed, had it not been for the bank they were so keen to vilify proactively doing the right thing, you would never have got the redress.

If they won't back down then make a complaint and advise them that unless they back down you will go to the Legal Ombudsman, a course of action that will cost them £350 just to have the matter reviewed. If it's not a massive amount of money, you may find that they give it us as more hassle than it's worth.