Clydesdale Finance/Barclays

Savo83

Hi,

I'm hoping someone could give me some help with a card I took out to buy a guitar with Sound Control.

Long story short; I was told I had to take out PPI but it would be pennies per month and I wouldn't notice. Well, that was a lie. I managed to get a copy of the form I received from Barclays and it clearly shows it was pre selected. It was in 2003 and was only for £420 but due to losing my job, it ended up costing about 3 times that as the interest piled up along with the PPI. It's clear I was mis-sold but would I even have a leg to stand on. I have contacted Barclays and they sent me a copy of it out but I misplaced it due to moving home.

It became a nightmare trying to get another copy from them and after 2 years and multiple emails, I've given up as they say they can't find the document or locate any details!

Luckily, it has turned up and is clear as day with the PPI being pre selected. I'm not expecting much money from them but I would like an apology for their customer service and anything else would be a bonus.

Is it worth following this up now I have agreement?

Thanks

[Deleted User]

Savo83 wrote: »

I was told I had to take out PPI

By whom?

Savo83 wrote: »

it clearly shows it was pre selected.

This contradicts your earlier statement that you were told you had to have it.

Savo83 wrote: »

It was in 2003 and was only for £420 but due to losing my job, it ended up costing about 3 times that as the interest piled up along with the PPI.

So why didn't you make a claim on the insurance when you became unemployed?

Savo83 wrote: »

It's clear I was mis-sold

Is it?

Savo83 wrote: »

I have contacted Barclays and they sent me a copy of it out but I misplaced it due to moving home.

A copy of what?

Savo83 wrote: »

Luckily, it has turned up and is clear as day with the PPI being pre selected.

So you are contradicting yourself again, I'm afraid

Savo83 wrote: »

I'm not expecting much money from them but I would like an apology for their customer service

You can request an apology, but I'm not sure what for

Savo83 wrote: »

anything else would be a bonus.

Indeed.

Savo83 wrote: »

Is it worth following this up now I have agreement?

I have no idea.

Nasqueron

Clarify a few points:

Was this in a branch or over the phone / online?

If the form was "pre-ticked" why did you sign it?

Is it more likely that you agreed to it and they printed off the form with the box ticked for you to sign and you simply don't remember?

PPI did cost pennies - on a credit card it was typically around 70p for £100 of cover - on a card with £420 of debt the PPI would have been less than £3 a month so the vast majority of your debt/interest was from the normal interest on the debt - PPI didn't help but didn't cause the big issue

It is difficult to say how / if you were miss-sold - you knew you had it but you didn't claim on it when you lost your job? Point of sale is the issue - if you didn't know you were going to lose your job (i.e. no risk of redundancy) and you weren't fired (which PPI wouldn't cover) and the PPI did cover you then it's hard to see this as more than buyer's remorse.

You might get lucky with an auto-payout or another failing being identified but the points you have made do not indicate a miss-sale

dunstonh

I managed to get a copy of the form I received from Barclays and it clearly shows it was pre selected.

pre-selected only applies to online applications. It cant apply to paper applications (as how do you remove a tick that is already there).