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Unexpected Ppi response from Barclaycard
janepn
Posts: 33 Forumite
Hello
I requested the original paperwork using the template on MSE but have a response I don't understand. This is all new to me.
They have replied saying regrettably they are not able to fulfil my request. They have said 'unfortunately as such we are not able to enforce our agreement with you and the agreement will remain unenforceable until such time as we are able to fulfil hour request'.
We are on a DMP and are paying them back monthly. They say we need to continue paying.
I'm not sure what this actually means and what I can do about it. Can anyone help?
Many thanks in advance
I requested the original paperwork using the template on MSE but have a response I don't understand. This is all new to me.
They have replied saying regrettably they are not able to fulfil my request. They have said 'unfortunately as such we are not able to enforce our agreement with you and the agreement will remain unenforceable until such time as we are able to fulfil hour request'.
We are on a DMP and are paying them back monthly. They say we need to continue paying.
I'm not sure what this actually means and what I can do about it. Can anyone help?
Many thanks in advance
0
Comments
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Can you expand on what you have actually done i.e. put in a complaint about PPI or just sent in a DSAR to the bank?
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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It sounds like the template you have used is the one that is used by people trying to get out of their debt by looking for loopholes.
Did you use the £1 CCA method or the £10 DSAR method? (it sounds like the £1 method).
Why have you requested info from them? You dont need it.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
It was the £1 method. Did I do the wrong thing? All I am trying to find out is whether we took ppi unwittingly on previous loans.
I thought I'd followed the instructions on the website properly.0 -
It was the £1 method. Did I do the wrong thing? All I am trying to find out is whether we took ppi unwittingly on previous loans.
I thought I'd followed the instructions on the website properly.
The £1 approach is used by people trying to get out of debts by demanding a copy of the original credit agreement (and then refusing to pay debts if it can't be produced), you need the £10 DSAR in order to get copies of all their records (though you don't actually need to do this for a complaint)Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Oh ok.
No I'm not trying to wriggle out of paying back debt, only looking to see if I can reclaim against PPI we shouldn't have been paying. The main thing is to find out whether I have a case before I complain isn't it? I thought I needed to try and get hold of the original agreement to check what I'd signed up to. Can you direct me to what I actually need to do? I'm very grateful to you for your help.
Incidentally any idea as to what the content of the letter from Barclaycard means?0 -
The main thing is to find out whether I have a case before I complain isn't it?
A DSAR wont aid you in any complaint.I thought I needed to try and get hold of the original agreement to check what I'd signed up to.
There is no requirement for that.Can you direct me to what I actually need to do?
Contact the provider and make your complaint, stating your reasons for complaint.Incidentally any idea as to what the content of the letter from Barclaycard means?
It means they will not use the courts to get you to repay the debt (at this time) but the debt still needs to be repaid otherwise it will be recorded as a default on your record.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Thanks so much. You've been so helpful. I'm not even sure I know which loans/credit cards we were paying PPI on so are you saying I make a blind complaint on the off chance it applies to the creditor I'm writing to?
Apologies for all the questions but this is really useful.0 -
I'm not even sure I know which loans/credit cards we were paying PPI on so are you saying I make a blind complaint on the off chance it applies to the creditor I'm writing to?
In which case, you just ask them if you had PPI or not.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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