Any ideas for PPI legal challenges?
edited 30 November -1 at 1:00AM in Reclaim Bank & Credit Card Charges
3 replies 858 views
Hi all - I've been trying without success, to get a full reimbursement on PPI from Barclaycard, which would include interest from 1997 to 2003 and reimbursement of fees since the complaint was first filed in 2015. Ombudsman have done their bit and I have been offered a paltry amount which is a percentage of the PPI interest only. This small payout is because a 'tick box' on the original application, consenting to PPI (all fields are in someone else's handwriting), has been ticked. However, I have insisted from the very start that I never consented to any PPI nor would I have done for a £2000 limit credit card considering good health insurance in place, well-paid and secure job with low outgoings, family wealth and my own savings to back me up. My father first alerted me to PPI and when I questioned the payments in 2003 (long before PPI was considered an issue), the bank stopped the insurance. Knowing I would have called and written in to the bank about this issue back in 2003, I have requested DSAR info as this would very likely highlight my annoyance and confusion at the time as to why iPPI was on there in the fist place. Strangely, there are apparently no notes on the system and I have been informed that Barclays do not need to provide information going past six years.The even stranger thing is, they have already given me info including system notes going back to 1997, detailing information on phone calls, communications sent/received and complaints references along with notes – BUT, the references that correlate to the dates in question (June 2003), have not been provided, nor have any references of letters or notes in relation to my enquiry/complaint – leading me to believe Barclays are deliberately keeping this info back. I also have a couple of other instances where the bank have denied receiving communications etc. but bank advisers I've spoken with on the phone, have referenced their notes and confirmed to me otherwise. Clearly there's inter-departmental issues and maybe also something more underhand going on. So, what can I do? The ombudsman have pretty much washed their hands of this complaint and I fell so strongly about it, that I cannot continue to bank with Barclays and just want to clear up who owes what and leave them. Has anyone gone down a legal route directly with Barclays, to claim funds owed in cases like this, with any success? Judging by the research into similar cases of mis-selling, I'm sure others will have similar stories. Any advice or referrals most welcome!
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