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barclaycard application with three different ticks?!
kezzygirl
Posts: 996 Forumite
Hi everyone
My husband apparently had ppi on a barclaycard from 2002-2004. The ppi was cancelled- unsure by whom in 2004- and the card continued to run until the account was closed in 2006.
Barclaycard rejected our claim stating he had signed the ppi tick box. we lodged a complaint with the ombudsman and they have investigated and responded stating the ppi boxes were ticked and it would have met his needs regardless. I have requested a copy of his original postal application which they have emailed me today.
The ticks are completely different to the one where he has ticked 'Mr' which leads me to think they are not his ticks- that, and the fact he did not agree to the ppi in the first place. I have pointed out the various differences in the ticks in my reply to the ombudsman and also requested for them to query who cancelled the ppi and if there is a record of the conversation.
Has anyone else experienced this and been successful? It sucks because we know that he did not tick the ppi box and had no idea he had it
thanks in advance, kezz
My husband apparently had ppi on a barclaycard from 2002-2004. The ppi was cancelled- unsure by whom in 2004- and the card continued to run until the account was closed in 2006.
Barclaycard rejected our claim stating he had signed the ppi tick box. we lodged a complaint with the ombudsman and they have investigated and responded stating the ppi boxes were ticked and it would have met his needs regardless. I have requested a copy of his original postal application which they have emailed me today.
The ticks are completely different to the one where he has ticked 'Mr' which leads me to think they are not his ticks- that, and the fact he did not agree to the ppi in the first place. I have pointed out the various differences in the ticks in my reply to the ombudsman and also requested for them to query who cancelled the ppi and if there is a record of the conversation.
Has anyone else experienced this and been successful? It sucks because we know that he did not tick the ppi box and had no idea he had it
thanks in advance, kezz
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Comments
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The ticks are completely different to the one where he has ticked 'Mr' which leads me to think they are not his ticks
They do not need to be his ticks.
irrelevant. It is not a fact that can be proven. He agreed to it in the end.and the fact he did not agree to the ppi in the first place.Has anyone else experienced this and been successful?
Yes, they have and no they haven't. There has never been any requirement for the consumer to be the one to tick the box.and had no idea he had it
So, when it appeared on the transactions each month, he didnt query it?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 -
No he didn't because, as i am sure like a lot of people back then, he just paid the bill. Not everyone is so observant of every financial transaction y'know.They do not need to be his ticks. - so on a postal paper application anyone could ticka box and the holder of the account would still be bound by it?
That's like filling out insurance paperwork and someone else ticking the box to say you have a history of stroke and heart disease, thus increasing the premium. If I were to then state I haven't got those conditions, according tp your theory, it wouldn't matter because it wouldn't have to be me who ticked it?
irrelevant. It is not a fact that can be proven. He agreed to it in the end.
No, he didn't agree to it in the end.....he didn't realise he had it and he certainly didn't cancel it!
Yes, they have and no they haven't. There has never been any requirement for the consumer to be the one to tick the box.
So, when it appeared on the transactions each month, he didnt query it?0 -
No he didn't because, as i am sure like a lot of people back then, he just paid the bill. Not everyone is so observant of every financial transaction y'know.
And that is no the fault of the card provider. What if a fraudulent transaction or a mispost had been on the statement? How many of those has he missed?
The problem is that the complaint was weak to begin with and lacks evidence. In those cases, it falls back to suitability and that has been confirmed by Barclaycard and the FOS.
Tick boxes can be ticked by anyone. That is allowed. So, that argument isnt going to work. Had it been ticked by someone else and he was complaining after seeing the transaction for the first or second time on the statement, then he would be credible even if there is no evidence. Complaining about it 15 years later lacks that credibility.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 -
You could refer it to an actual ombudsman if you didn't but the chances are they won't overrule because you haven't provided any evidence that he didn't need it, such as savings, good sick pay, working in the forces or the police.Non me fac calcitrare tuum culi0
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