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PPI advice
jrsga
Posts: 93 Forumite
Hello
I had many credit cards and loans in the late 80s and through the 90s.
I contacted Barclays by phone who say they can only go back 6 years.
Can anyone advise:
- Does Barclays PPI "Enquiry" form online go back further than 6 years?
- I am a person who believes I was savvy enough never to have taken PPI in those years. Is it possible PPI could have been added without my knowing?
regards
I had many credit cards and loans in the late 80s and through the 90s.
I contacted Barclays by phone who say they can only go back 6 years.
Can anyone advise:
- Does Barclays PPI "Enquiry" form online go back further than 6 years?
- I am a person who believes I was savvy enough never to have taken PPI in those years. Is it possible PPI could have been added without my knowing?
regards
0
Comments
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If Barclays only retain data for 6 years, then it won't change that, no matter which channel you go through.
PPI would have appeared on your statements.0 -
- Does Barclays PPI "Enquiry" form online go back further than 6 years?
The form doesnt have any timescale. Their records are the things that get deleted over time. 6 years is the date recommended by the FCA after closure.- I am a person who believes I was savvy enough never to have taken PPI in those years. Is it possible PPI could have been added without my knowing?
No. It appeared as a transaction on the statement each month on the credit card. For loans, it was included in the breakdown if you had it. So, as long as you read your documents, you cannot have had it without knowing.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 -
The form doesnt have any timescale. Their records are the things that get deleted over time. 6 years is the date recommended by the FCA after closure.
No. It appeared as a transaction on the statement each month on the credit card. For loans, it was included in the breakdown if you had it. So, as long as you read your documents, you cannot have had it without knowing.
Then if their records get deleted where do I stand on making a claim? I understand one can go back as far as is necessary.
Not according to the FCA - they say " It is likely you were mis-sold PPI if you experienced any of the following"- PPI was added without telling you
0 -
hen if their records get deleted where do I stand on making a claim? I understand one can go back as far as is necessary.
If they have no records and you have no records then its game over.Not according to the FCA - they say " It is likely you were mis-sold PPI if you experienced any of the following"
PPI was added without telling you
It is a complaint reason. However, if you saw an entry for PPI on your statement each month that you did not agree to, would you not contact them?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 -
If they have no records and you have no records then its game over.
It is a complaint reason. However, if you saw an entry for PPI on your statement each month that you did not agree to, would you not contact them?
If they have no records isnt the onus on them to access this information?
If its a complaint its a complaint. I am going back 20+ years I would have had no clue trying to recall if something was showing or not.0 -
If they have no records isnt the onus on them to access this information?
No its not. That is not how English law works. And for good reason.
For example, I make the allegation that you stole £20 from my wallet. If the law was your way. You would have to prove that you didnt steal it. Whereas English law requires proof you did. The burden of proof is on the one making the allegation.
How can you prove something that didnt happen? If PPI was not sold there would be no paperwork showing that it wasnt sold.If its a complaint its a complaint.
Not all complaint reasons are equal though. Some complaint reasons are completely valid but have virtually no chance of success.
That is now. What about when you got the statement? You said in post #1 you were someone "who believes I was savvy enough never to have taken PPI". If you didnt check your monthly statements then your view of yourself is wrong.I am going back 20+ years I would have had no clue trying to recall if something was showing 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 -
Then if their records get deleted where do I stand on making a claim?
NowehereI understand one can go back as far as is necessary.
NoUltimately as its nearly 30 years I have no paperwork so I'm rather concerned that I had it been added on cards/loans without me knowing.
If you were 'savvy' you would have checked your statements and seen an extra charge which you would have queried.
If you want to set your mind at rest, you can send a SAR and£10 to each company to see what info they have leftNon me fac calcitrare tuum culi0 -
No its not. That is not how English law works. And for good reason.
For example, I make the allegation that you stole £20 from my wallet. If the law was your way. You would have to prove that you didnt steal it. Whereas English law requires proof you did. The burden of proof is on the one making the allegation.
How can you prove something that didnt happen? If PPI was not sold there would be no paperwork showing that it wasnt sold.
Not all complaint reasons are equal though. Some complaint reasons are completely valid but have virtually no chance of success.
That is now. What about when you got the statement? You said in post #1 you were someone "who believes I was savvy enough never to have taken PPI". If you didnt check your monthly statements then your view of yourself is wrong.
Quote Martin - One of the ways PPI was mis-sold was by being added without you being told....That has nothing to do with being savvy and thankfully the view of myself still stands.
If I was sold it without my knowing then it's perfectly possible I didnt see it from a statement - we all know how clever institutions were like back in those times.0 -
Nowehere
No
If you were 'savvy' you would have checked your statements and seen an extra charge which you would have queried.
If you want to set your mind at rest, you can send a SAR and£10 to each company to see what info they have left
Incorrect - one can go back as far as is necessary,0 -
No its not. That is not how English law works. And for good reason.
For example, I make the allegation that you stole £20 from my wallet. If the law was your way. You would have to prove that you didnt steal it. Whereas English law requires proof you did. The burden of proof is on the one making the allegation.
How can you prove something that didnt happen? If PPI was not sold there would be no paperwork showing that it wasnt sold.
Not all complaint reasons are equal though. Some complaint reasons are completely valid but have virtually no chance of success.
That is now. What about when you got the statement? You said in post #1 you were someone "who believes I was savvy enough never to have taken PPI". If you didnt check your monthly statements then your view of yourself is wrong.
If it was added without my knowing then without doubt the onus is on them to verify and pay out. Thats fraud in my book.0
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