barclays

Itdoesnt_matter

Hi, looking for advice.
2 years ago my parents got a PPI refund from Barclays.
They went through a claims company so had to give up 10%.
In the correspondence from Barclays they acknowledged 6 loans and upheld 2 of the loans saying they have investigated all 6 loans and only 2 have PPI. I also have an email from the Financial ombudsman to that effect.
Having gone through further documents I have found evidence of PPI on 2 of the 4 loans Barclays said had no PPI.
Can they challenge the outcome of 2 years ago? If so would they challenge Barclays direct or go to the ombudsman?
Thanks in advance for any help.

[Deleted User]

If they have new evidence, they can trying sending a new complaint to Barclays.

But get them to buy their own stamp this time, instead of paying a claims company to post it for them.

[Deleted User]

Itdoesnt_matter wrote: »

Having gone through further documents I have found evidence of PPI on 2 of the 4 loans Barclays said had no PPI.

What "evidence" have you found which contradicts the Bank's records?

Remember, even if you have a copy of a signed Agreement showing PPI that is still not proof because you could have cancelled the insurance during the cooling off period.


By all means submit the evidence to the Bank and ask them to re-open the case, but do be aware that both the Bank and the Ombudsman have already told you there was no PPI, not that there are no records of your finance.

Edited to add:
You were informed by the Bank two years ago that your evidence is not sufficient to trump their records and they even made mention of cancelling during the cooling off period which I referred to above. See your old post below and read the responses

https://forums.moneysavingexpert.com/discussion/5712406/advice-on-next-steps

You will only receive a refund of PPI if you can show categorically that you actually paid it.

Itdoesnt_matter

firstly, thanks for replies.

I have found the credit agreements signed by the bank (with PPI added and shown) and letters from Barclays (Masterloan) saying your cheque for said loan should be with you. They have also acknowledged that these loans went through in their Final response letter when talking about all 6 loans. Perhaps they didn't investigate thoroughly as these are fairly old loans (and there were subsequent loans after them) and the 2 upheld loans were for large amounts.

Ombudsman said they would investigate further if requested but because Barclays said there was no ppi he said you can take this offer from Barclays now(for the upheld loans) or I can investigate and the money will be delayed. Parents needed the money quickly so accepted the amount there and then, but looking back it looks like an error.

[Deleted User]

Itdoesnt_matter wrote: »

I have found the credit agreements signed by the bank (with PPI added and shown) and letters from Barclays (Masterloan) saying your cheque for said loan should be with you.

As I said above, and you were told two years ago, the Credit Agreements are not proof that your parents actually continued with the insurance. PPI showing on the paperwork but no actual premium paid is not uncommon. People did often avail themselves of the "Cooling Off" period.

Itdoesnt_matter wrote: »

Perhaps they didn't investigate thoroughly as these are fairly old loans

Nobody here can say categorically that these loans had (or did not have) PPI. However, the Bank have told you they didn't. The Ombudsman has seen the Bank's evidence and accepted it. The Claims Company you used at the time also accepted the findings, despite them standing to lose out on their percentage of any payout.

What I can say categorically is that you will only receive a refund of PPI if you can show (or in the unlikely event the Bank find) that you actually paid it.