PPI Reclaiming discussion Part II

tiggrae

maxdp wrote: »

Am posting this to warn everybody about how unprofessional Barclays are.

I have 3 PPI on 3 Loans went through the usual stuff of writing and being fobbed off. Took the information to the Financial Ombudsman who on 20th May Upheld the complaint againt Barclays. They had to contact us within 6 weeks.

Waited until the six weeks had passed nothing contacted FO again very helpful saying would contact etc etc etc. Two weeks later still have not heard diddly s...
This company have nearly bankrupted us with all the PPI we have been charged including Credit Cards. I know I was naive but you assume that they will have your best interests in heart. Obviously not. I have learnt from my previous naivety and would never go down that line again. I am at the moment in two minds whether to challenge all three loans to see if I can find if they are void and unenforceable and see if I can go down this route.

So for all those out there who are with Barclays beware. I have moved amyl all my accounts etc away from them now and my children accounts have been closed. As an aside with my bank account about a year ago I had a call from their fraud dept saying that somebody had been fraudulently using my account, they were very good at managing this but where it had taken w me over my limit I was charged over the next six days £180.00 I rang them up daily to explain the situation. Everytime I rang up I got nowhere and they would not take on board what I was saying but they tyxxx tried tosell me insurance everytime.

I thought the best thing to do would be to go the local branch. The female in my local hailsham branch was beligerent and rude and tried to speak down to me (I am 50 years old, excuse me). Questioning other accounts and asking information which was nothing to do with her. She then tried to sell me insurance I could hve strangled her.

Anyway thank you all for listening to my ramblings I feel better now:rotfl::mad:

I apologise for funny words something is not quite working right and I cannot delete or correct so sorry all:rolleyes:

hi max - if you haven't got you money yet keep pestering the FOS, they'll keep on at Barclays.

As for the women at the branch - make a formal complaint to Barclays, copying it into the local branch - these guys have got to learn they are not omnipitant and that they have to follow what is called TCF Treating Customers Fairly - if you think a bank member has been rude and asked inappropriate questions then complain - otherwise how do they learn that they can't just get away with it

di3004

tiggrae wrote: »

if the mis selling reasons are the same for all 3 ppi's then you only have to make one claim - put as much information in but you don't really need the policy number just the agreement number, put in the approximate dates the loans / ppi was taken out so they know you want them to look at all 3

Wayne, Tiggrae has made a good point here, if they were all mis sold for the same reasons then only the one claim will do, sorry to confuse you hun, and this way Tiggrae said it will save too much work.;)

All the best.

Di.

embarrassed_about_my_debt

Hi all,

I got a reply today basically telling me to go and take a running jump. Ignorned the fact i said they filled in the credit agreement form and instead saying i ticked the box (letter stated it was pre done by them)

However they very kindly issued me with a colour copy of the loan application which has been completed by one of there members of staff in blue while everything i have filled in is in black (not alot) it also stated that the ppi box should be initialed by me and it isnt, it is ticked by them!

So I have written the second letter and added in the extra information, just got to wait for the post office to open tomorrow then I can send it recorded.

Their last reply was very quick (delivered monday to them) and reply received today so hopefully the next one will be just as quick!

Will keep you upto date on how i get on.

maxdp

tiggrae wrote: »

hi max - if you haven't got you money yet keep pestering the FOS, they'll keep on at Barclays.

As for the women at the branch - make a formal complaint to Barclays, copying it into the local branch - these guys have got to learn they are not omnipitant and that they have to follow what is called TCF Treating Customers Fairly - if you think a bank member has been rude and asked inappropriate questions then complain - otherwise how do they learn that they can't just get away with it

Thank you Tiggrae for the advice I will do so. I was so fed up with trying to sort something out and all they were trying to do was sell me insurance. The woman in Barclays could tell I was upset but was obviously more concerned over her commission.;)

GhostHunter_3

tiggrae wrote: »

I think it's standard practice to cancel insurance when someone gets into arrears

Thanks for the info but surely they should inform me???

angelwillow

di3004 wrote: »

Hi Angelwillow.

Did you actually email or speak by phone ?;)

There also maybe a local number on their site to contact, I know I have one here which is Cardiff.
They should give you some answers on the phone, maybe they have so many emails about the same sort of thing and just not getting round to posting back.
Give these a ring, see what they have to say and good luck.;)

Di.
xx

Hi Di
I sent a recorded letter - do you think I should try phoning them? I think I'm gonna have to speak to them about HBOS aswell as been waiting 57 days now for SAR when they cashed my cheque over a month ago but just try to fob me off when I've phoned to chase things up.

di3004

angelwillow wrote: »

Hi Di
I sent a recorded letter - do you think I should try phoning them? I think I'm gonna have to speak to them about HBOS aswell as been waiting 57 days now for SAR when they cashed my cheque over a month ago but just try to fob me off when I've phoned to chase things up.

Hi there Angelwillow.;)

Yes I would try ringing them as a quicker method personally.

Oh golly HBOS are way behind with the 40 day deadline !!:eek:

Yes definately go to the ICO from here, there is a complaint form on the ICO site from what I can remember, even if they do still send the SAR now they still did not comply to the timescales of this.;)

You can always mention about the HBOS the same time.

Good luck hun.

Di.
xx

babyj9

tiggrae wrote: »

Hi I think they'res a bit of confusion here - firstly for any claim for mis selling you always go to the person / company who sold you the policy - in this case it would be the dealership.

Secondly, mis selling is covered by the Misprepresentation Act 1967 so has nothing to do with any decision by the FSA - the 14.01.2005 date is only significant as this is the date GE came under the jurisdiction of the FSA - if your complaint had been against them you wouldn't be able to take it to the Financial Ombudsman for an adjudication - but you would always have the option of commencing proceedings in the County Court for misrepresentaion.

Hi, thanks for that, I am confused, very. I went directly to GE as they were the ones the finance was with, and who omitted to advise me that I had a policy protecting me from unemployment when I became unemployed. I guess I should take this up with the dealership, and maybe GE regarding the 2nd issue.

Do you know of any success stories re Ford - is this likely to be worth my while persuing?

Many thanks for your help.

Babyj

tiggrae

babyj9 wrote: »

Hi, thanks for that, I am confused, very. I went directly to GE as they were the ones the finance was with, and who omitted to advise me that I had a policy protecting me from unemployment when I became unemployed. I guess I should take this up with the dealership, and maybe GE regarding the 2nd issue.

Do you know of any success stories re Ford - is this likely to be worth my while persuing?

Many thanks for your help.

Babyj

well there are easy wins and those not so easy - for the first it'll be dependant upon whether they were regulated by the FSA at the time of selling - if they don't pay you can can complain to the Financial Ombudsman. If they weren't regulated you can take them to court - then it'll be dependant upon how resolved you are to get YOUR money back

Also, on whether the policy covered you for unemployment - again this should have been brought up by the person who sold it to you and not by GE

singlep

supergrand wrote: »

hi singlep, thanks for that, but the first letter I sent was to Blemain Finance and they replied back saying no to ppi being mis-sold and have given me 4 weeks from date of letter 17.7.2008 to reply back if im not satisfied with what they have said. do i now go to Capital one as they were the broker? and do i write to blemain telling them im doing this? Im confused!!

Yes this is confusing. From what you say Capital One is the broker and you should complain to them. Blemain is the lender and I would have expected them to deny responsibility and refer you to the broker capital one, but Blemain responded to the complaint as if they advised you. Which company advised you about the loan and PPI in first place?