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BARCLAYCARD PPI claim rejected
Comments
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What I meant was that in the beginning I had no records of the Barclaycard no numbers or dates etc., they informed me of all this information when then firstly phoned me the girl was very helpful and said she had found my application and told me the date in which I opened it and closed it etc. Funny how they only have certain information. I don't trust them and why should I banks are not honest or they wouldn't be in this position in the first place.
I would like other people to know that it is not as easy as what is written online to claim ppi if you no longer have your paperwork its nothing but a headache and I know now just a complete waste of time.
I understand and appreciate all the reply's thank you
Banks fall under the data protection act, they are only supposed to retain data as long as they need it (typically they hold for about 6 years after an account is closed, though some do more of course) - they may have basic data on the dates but 9 years after the account was closed, it's not really practical to keep full records to hand, nor paper copies of forms signed 16 years back. No conspiracy, just practicalities.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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What I meant was that in the beginning I had no records of the Barclaycard no numbers or dates etc., they informed me of all this information when then firstly phoned me the girl was very helpful and said she had found my application and told me the date in which I opened it and closed it etc.
Pretty basic information that is easy for them to find.Funny how they only have certain information.
Not funny at all. Quite normal. For instance, my back office software has names, addresses, policy details but the client file that contains all the copy documents sits elsewhere. Those documents can be destroyed over time (I don't in my case as I am fully regulated but things like credits cards are not). So, the computer record will still exist but the paper records will be destroyed.I don't trust them and why should I banks are not honest or they wouldn't be in this position in the first place.
We can't help you with your paranoia.
It should also be noted that around half of PPI complaints made by consumers are dodgy try-it-ons as well. So, no-one comes out of this smelling of roses.I would like other people to know that it is not as easy as what is written online to claim ppi if you no longer have your paperwork its nothing but a headache and I know now just a complete waste of time.
it is easy. However, you are making an allegation for wrongdoing. There has to be some evidence to information that suggests that your opinion of the wrongdoing is correct. So far, you have failed to do that.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 -
sounds like you work for Barclays, I don't have paranoia, I also don't need to be patronised.
I was hoping to get advise from normal people like myself who are in my position I didn't realise you were financial advisers.0 -
sounds like you work for Barclays,
Sounds like you are too emotionally attached to it to be objective. I am not and can remain independent.
Your comments suggest a level of paranoia.I don't have paranoia, I also don't need to be patronised.I was hoping to get advise from normal people like myself who are in my position I didn't realise you were financial advisers.
Just because you are not getting the answers you want to hear, does not mean they are wrong. If you cannot take sensible feedback without going all silly in your responses then there is little point you posting here.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 -
Only two of the posters responding are industry professionals. Nothing you have been told in the thread has been misleading or untrue.
I was hoping to get advise from normal people like myself who are in my position I didn't realise you were financial advisers.
It really is "easy" and simple to make a PPI complaint. However, that does not mean that every complaint is successful or that you don't need to show a mis-sale in order to get a refund.
I've already suggested you might like to refer your case to the Ombudsman...0 -
sounds like you work for Barclays, I don't have paranoia, I also don't need to be patronised.
I was hoping to get advise from normal people like myself who are in my position I didn't realise you were financial advisers.
You obviously only want to hear the replies that agree with your train of thought.The guidance that you have been given is from some of the most respected and informed members on this board.I personally would not give you the time of day but thats just me.0 -
I was hoping to get advise from normal people like myself who are in my position I didn't realise you were financial advisers.
I'm totally normal [ish], and I was in your position. I also did a lot of research when I made my complaints, I was successful with all of them, because I had provable complaint reasons.
Your original complaint didn't. Since then, you could have paid £10 and sent a SAR to see what info they had left. As it stands, you've sent your complaint to the Ombudsman on a he said/she said basis. Unless they find a compelling reason why this shouldn't have been sold to you, you're not likely to succeed with your complaint.Non me fac calcitrare tuum culi0 -
Thank you at the time I did have a mortgage with its own insurance so had no need for another policy I will keep battling on. I was just looking for support as I read of a gentleman who did it himself and they said the same to him but then each day he was getting calls from ppi claims companies so he decided to give them a go and they won but obviously they had a big chunk of his repayment, its was later ruled this had to be paid back to the gentleman, so my point is its not like its doesn't happen I only wanted advise from anyone that had been in my position and is it worth me carrying on, I realise now this was not the correct website for me.0
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Your mortgage insurance has nothing to do with credit card PPI. It would only pay off your mortgage, not your CC debts.Non me fac calcitrare tuum culi0
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You made a complaint, it was rejected, you exercised your right to use the FOS. You just need to wait, the adjudicator will examine the evidence presented by both sides and either agree with the bank or you. Then you both have the right to appeal to the ombudsman if the verdict is unsatisfactory.
A claims firm would have made the case worse
As -taff says your mortgage PPI covers ONLY your mortgage payments if you were unable to make them, they would not cover other loss of income and would not pay your CC offSam 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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