Barclays insurance

A person i know said they discovered that they been paying barclays a insurance premium to barclays that theu neber asked for. Seem travel and maybe phone.  Been going for 10 years. Barclays refusing to pay it back and saying no records of when it was taken out.  No claims have been made on it. 
stay lucky!
Steve.

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  • zx81zx81 Forumite
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    If they no longer need the cover, tell them to cancel it.
  • FarfetchFarfetch Forumite
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    Not using an insurance policy isn't grounds for a refund

    He who rejects change is the architect of decay. The only human institution which rejects progress is the cemetery.

    -Harold Wilson


  • NearlyoldNearlyold Forumite
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    A person i know said they discovered that they been paying barclays a insurance premium to barclays that theu neber asked for. Seem travel and maybe phone.  Been going for 10 years. Barclays refusing to pay it back and saying no records of when it was taken out.  No claims have been made on it. 
    Sounds like a packaged bank account where you pay a monthly account fee - typical benefits include Travel & Phone Insurance and AA/RAC Breakdown cover.

    How long ago did person you know "Discover" they were paying this fee? Presumably it can't be recently as banks have been sending yearly mandatory "Eligibility and Benefits" explanatory statements since 2012. 

    On what basis does the person you know believe that Barclays should be refunding the payments?
  • MyBrainhurts_2MyBrainhurts_2 Forumite
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    They know because its not a inclusive bank account and they didnt ask for the insurance.
    stay lucky!
    Steve.
  • MyBrainhurts_2MyBrainhurts_2 Forumite
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    No asking for the insurance is surely grounds for refund. 
    stay lucky!
    Steve.
  • MyBrainhurts_2MyBrainhurts_2 Forumite
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    The didnt need it...  Because they didnt ask for it.
    stay lucky!
    Steve.
  • FarfetchFarfetch Forumite
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    The didnt need it...  Because they didnt ask for it.
    Complaining after the first payment is taken is a realistic and sensible thing to do. Complaining 10 years after the event sounds like a try it on case (whether it is or not is not important, that's how it would be seen). 

    It's quite possible that any complaint would be time barred under the 6 and 3 year rules anyway

    He who rejects change is the architect of decay. The only human institution which rejects progress is the cemetery.

    -Harold Wilson


  • dunstonhdunstonh Forumite
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    The didnt need it...  Because they didnt ask for it.
    The problem with that argument is that it's unprovable.

    Someone who uses that argument after the payment has gone out for a few months is often considered credible.   The FOS, being more liberal even go as far as a few years.   However, in this case, you are saying that it was being paid for 10 years.   

    In that time, it has appeared on 120 statements and there have been at least eight annual benefit statements explaining the coverage and the ability to opt-out of it.

    So, credibility for that argument has to be pretty weak.
    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.
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