Can't find PPI and addition of another aspect

ClaireBrummell

Hi, I used the resolver to put forward two cases - one for barclaycard and one for barclays for overdraft. I've received letters back from them both saying that PPI policy was not included in either account (which I find surprising because I know Barclays is one of the worst culprits for PPI).

I have two questions:

1) Do I have any further recourse with these complaints or do I just need to accept them?
2) I've discovered I also had a paid for account with mobile phone insurance as part of the package. Do I need to respond to the original Barclays complaint with this additional item to include, or do I need to start a new complaint? I don't want to invalidate anything!

Any guidance or suggestions gratefully received.

Thanks,

Claire

[Deleted User]

If neither you nor they have any evidence of PPI, there is nothing more for you to do. It's not a surprising outcome, as most people didn't have PPI.

If you have a complaint about a difference product, make a new complaint. Directly, rather than through a third party such as Resolver.

[Deleted User]

ClaireBrummell wrote: »

PPI policy was not included in either account (which I find surprising because I know Barclays is one of the worst culprits for PPI).

Culprits?
If you didn't have PPI, you actually have no complaint (or recourse).
How could you even "complain", if you didn't know whether you had it?

Contrary to Claim Company myth, PPI was not routinely added without the knowledge and permission of the customer..

Sorry.

ClaireBrummell wrote: »

I've discovered I also had a paid for account with mobile phone insurance as part of the package.

It will, of course, have to be a separate complaint, since your other case is now closed.
But what complaint reason are you going to present to the Bank about this fee-paying account?

SonOf

I've received letters back from them both saying that PPI policy was not included in either account (which I find surprising because I know Barclays is one of the worst culprits for PPI).

Barclays were no worse or better than any of the other banks. Indeed, Barclays should be commended for going back and brining old archived data back onto systems and contacting people where they find the "new" data shows they were missold.

Most people in the UK didnt buy PPI. So, statistically, not having it is the most common outcome.

1) Do I have any further recourse with these complaints or do I just need to accept them?

Provide evidence that shows you paid it. If you have none, then your complaint is dead.

2) I've discovered I also had a paid for account with mobile phone insurance as part of the package. Do I need to respond to the original Barclays complaint with this additional item to include, or do I need to start a new complaint? I don't want to invalidate anything!

A new complaint. It has nothing to do with PPI. Again, be prepared to be rejected. Most PBA complaints fail and the FOS are only upholding around 1 in 10. Not saying you wont succeed but just preparing you for the statistical outcome.