Missing credit agreement

jellie

If you want to claim mis-sale of PPI when your bank have said they can't confirm that you've had it, then you will need to prove to them that you did.

You could send them a SAR, to see if that reveals any more information.

magpiecottage

jellie wrote: »

If you want to claim mis-sale of PPI when your bank have said they can't confirm that you've had it, then you will need to prove to them that you did.

That is the crux of the problem. The OP claims his wife succeeded in a complaint to Barclays. However, unless there is evidence that PPI existed, there is no evidence that it was ever sold, let alone missold.

jackoncc1701 wrote: »

Since a 2011 court case it has become a lot easier to reclaim yourself – though that doesn’t stop claims companies spamming, to try and get their 30%.

Not really, FOS was looking at cases before that, and is always easier than going to court.

Companies were obliged to ensure PPI was suitable for the customer at the time they got the policy – and to explain relevant omissions.

Only if advice was given.

Being told it was compulsory. Many were told this, and it’s simply not true.

There are two flaws with this. The first is that in a few cases it WAS true - particularly some mortgage deals which were conditional on taking the insurance.

The second is that if it was not compulsory, it is virtually impossible to prove an assertion that you were told it was. That is not to say, if it is true, it does not amount to misselling, simply that the argument is not persuasive.

Not being told it was added – or adding it when you said no. Some people will be thinking they never had PPI - but they did - it’s just the cost was hidden within the repayment.

There are some of these. However, as has been noted by other posters, if it is a credit card, the premiums will show on the statements. Because credit card statements are itemised, if it is not there, it will not have been charged - there is nowhere to hide it.

I can 100% guarantee that my wife won 2 claims where PPi was hidden in interest charged

For the reasons stated, this cannot happen with credit card PPI.