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PPI Claim Rejected - Due to lapsed time
Vmo07
Posts: 12 Forumite
Hi,
For my PPI claim, I received a letter from Barclaycard advising they have rejected my complaint because:
1- six yeasrs have passed from the date I was sold PPI.
2. three years have passed from the date on which the customer became aware or reasonably ought to have become aware they had cause of complaint.
They also mention they wrote letter to me in 2018 and asked me to act as soon as possible. and I did not complain within potential time limit of three years.
At the same time they have also included a cheque refunding PPI commission and statutory compensation deducting income tax (which totals about £2).
I am not sure:
1) If these are legitimate reasons to reject complain.
2) If they rejected my complain why they refunded?
Anyone on the forum who has similar experience / can throw more light on this?
Thanks
For my PPI claim, I received a letter from Barclaycard advising they have rejected my complaint because:
1- six yeasrs have passed from the date I was sold PPI.
2. three years have passed from the date on which the customer became aware or reasonably ought to have become aware they had cause of complaint.
They also mention they wrote letter to me in 2018 and asked me to act as soon as possible. and I did not complain within potential time limit of three years.
At the same time they have also included a cheque refunding PPI commission and statutory compensation deducting income tax (which totals about £2).
I am not sure:
1) If these are legitimate reasons to reject complain.
2) If they rejected my complain why they refunded?
Anyone on the forum who has similar experience / can throw more light on this?
Thanks
0
Comments
-
The rejection reasons are perfectly valid.
You only received a refund of undisclosed commission which is an entirely separate issue to your failed PPI complaint.0 -
Vmo07, I had a similar issue, howerver my claim was not rejected, however I still only received £3.78 for the same reasons (interest etc.).
Go back to them, I am.
Nothing ventured, nothing gained.0 -
They also mention they wrote letter to me in 2018 and asked me to act as soon as possible. and I did not complain within potential time limit of three years.
...
I am not sure:
1) If these are legitimate reasons to reject complain.
2) If they rejected my complain why they refunded?
Sure it was 2018?
If they wrote to you more than 3 years ago, you are timebarred and the FOS will not overturn that unless there is a very good reason.
Yes, they are legitimate reasons.
It's a Plevin refund which happens after a complaint has been rejected.Non me fac calcitrare tuum culi0 -
Vmo07, I had a similar issue, howerver my claim was not rejected, however I still only received £3.78 for the same reasons (interest etc.).
Go back to them, I am.
Nothing ventured, nothing gained.
Your case is different, with you they accepted the complaint but do not have records of what you paid hence the low refund. The OP here had been time barred, a legal stop put in place to prevent cases going on forever, unless the OP has a legitimate reason to get the time bar reversed (normally only if the letters were sent to an address they no longer live at). The 3 and 6 year rules are legitimate and cannot be reversed it correctly appliedSam 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.
0 -
Sure it was 2018?
If they wrote to you more than 3 years ago, you are timebarred and the FOS will not overturn that unless there is a very good reason.
Yes, they are legitimate reasons.
It's a Plevin refund which happens after a complaint has been rejected.
I'd bet they sent a letter in say February 2015 and sent the OP a second letter in maybe January this year as a final reminder before the 3 year rule kicked inSam 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.
0 -
The 3 year and 6 year rule is an FCA rule. So, as long as the criteria is correct, then the time bar will be valid and the FOS cannot overrule it.2) If they rejected my complain why they refunded?
Plevin refunds only apply to rejected complaints.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 -
Thank you all for your replies.0
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