Pre 6 year PPI Barclays claims

Kathy1066

Hello there

Would love some advice if anyone can help....

I am almost certain I was paying PPI for years on a Barclays current account overdraft and on a Barclayclard credit card, would have been from about 1999 - 2009/10.

I have no paperwork but I do have the account number....any ideas where I go from here? I have looked at the Barclays forms to fill in but can only fill in about 10% of the form as so long ago not sure of employment details etc.

I have requested details of old statements but (unspurprisingly) received a letter from Barclays telling me they are unable to provide information as they are only required to hold date for six years only.

Any ideas - is it worth it?!

Thanks v much in advance if anyone can help!

Kathy

dunstonh

I have requested details of old statements but (unspurprisingly) received a letter from Barclays telling me they are unable to provide information as they are only required to hold date for six years only.

That is consistent with what is known about them with closed accounts.

Any ideas - is it worth it?!

So, you are not sure you had PPI.
You are not able to prove you paid it and nor can the bank
You are not sure if you have complaint reasons either.

So, in all, its not a very strong complaint and if they cant see you paid anything, there will be nothing to refund. Not saying you shouldnt try but those odds dont seem very high.

Kathy1066

It doesn't look hopeful does it!!

Thanks so much for taking time to reply

Nasqueron

You could gamble £10 on a DSAR (request for all the data they hold on you) and see if they turn anything up - if they do you can look at your bank and credit card statements as these will show any PPI charges every month.

If so you can then formulate a complaint and send them whatever evidence you have to support that (remember you have to prove it was miss-sold)

Kathy1066

I will do that - that's great, thanks v much!!

Crazydennie

I complained in November 2016 via the online form, with just an account number and received 2K compensation covering the period 1997- 2003. It is worth making the complaint. This account was closed in 2009.

Kathy1066

Great to know - think I will just do the same and see what turns up, in the meantime will do paperwork for DSAR. Thank you!! And congrats!

Sinderella

I received £1700. But I'm not sure how long they were charging me PPI as I absolutely can not recall seeing any charge for this on my bank statements. Interest charges but nothing saying PPI. I didn't know I had it until they contacted me about it first. I was extremely pleased. I have not had any success with others.

Chalkius

Try the SAR, or if that turns up nothing, use their online form and just put in any amount of information you have which might identify something under your name, so addresses, phone numbers, even half an account number if that's all you have. You might not succeed but if so you've only wasted 10-15 mins, if you succeed you've made it worth your while.

Nasqueron

Sinderella wrote: »

I received £1700. But I'm not sure how long they were charging me PPI as I absolutely can not recall seeing any charge for this on my bank statements. Interest charges but nothing saying PPI. I didn't know I had it until they contacted me about it first. I was extremely pleased. I have not had any success with others.

PPI wasn't necessarily called that, names like card protection were used but if you had it, it would be an additional charge every month on your statement