Due to the PPI deadline of 29 August 2019 we are no longer taking on any new PPI Clients. We will continue to carry out work for the clients that we are already working on behalf of so that we can provide the best service possible to them.
How can I check if I have had PPI with Barclays?
If you are unsure if you have ever had PPI with Barclays or any of the brands that Barclays are responsible for you can use our online form to request a FREE Barclays PPI Check. We can check for any PPI you may have had with Barclays or their group of companies and provide you with this information for free. It is then your choice if you would like us to proceed with a PPI claim for any PPI that is located that you feel was mis-sold to you.
Is your Barclays PPI check Free?
Yes. Our Barclays PPI check is completely free of charge. In fact we can check for PPI for Barclays and any of their related brands. Our free PPI check is not just related to Barclays and the free PPI check can be used to check for any PPI sold by any of the other major UK lenders and other not so well known lenders.
I Have Forgotten The Name Of My Lender, Can I Still Check For PPI As I think It May Have Been Barclays?
To run a Free PPI check we will need to know the name of the lender who you would like to check with for PPI. If you are not completely sure if Barclays or one of the brands that Barclays are responsible for were your lender we can still check with them to see if they can trace you in their records and if they can trace any PPI information for you. Please note that we cannot just keep on contacting lenders in the hope that they may have been your lender, so we would only check with Barclays for PPI if there was a reasonable chance that you think they may have been your lender at some stage.
Am I eligible to complain to Barclays about mis-sold PPI?
There are many reasons as to why you may be eligible to complain to Barclays about PPI. The most important factors in a Barclays PPI complaint will be what you were or what you were not told when the PPI was sold to you. For instance you may have been told that the PPI was compulsory or that by taking out PPI your chances of being accepted for the finance would be better. Here is a list of the most common reasons that we come across for PPI being mis-sold:
-You were told that PPI was compulsory
– You were told that by taking out PPI your chances of being accepted for the finance would be better
– You were not told that the PPI was optional
-The PPI was added without your knowledge or consent
-You were not told anything about the policy
-You were advised that the PPI had a cooling off period where you could cancel it (this is normally 30 days from the date that PPI was sold)
-You already had other cover in place so did not need the PPI
-You received 12 months sick pay from your employer
-You were a civil servant at the time and already covered by a generous sickness and redundancy package from the government
-You had savings to rely upon that could have repaid the debt in full or covered the repayments of the debt for 12 months
-You were self-employed
-You were a company director
– You worked less than 16 Hours per week
– You were a temporary or contract worker
– You were unemployed
– You were a student
-You were a housewife
– You were retired
-You were working abroad
– You were a home carer
– You were suffering from any pre-existing medical conditions such as Arthritis, Asthma, Diabetes, Eczema, Epilepsy etc.
What Information will I need for a Barclays PPI Claim?
The information that you will need to provide for a Barclays PPI Claim will vary depending on your own personal circumstances and the information that you have available at the time that you make the claim. However where we identify PPI on an account for you and you feel that it was mis-sold then we can still submit a PPI claim to Barclays on your behalf even when there is very little further information available.
Information you will need for a Barclays PPI Claim:
-Any account/card and relevant PPI policy numbers.
-The start dates of the PPI policy/s.
-Information about how your PPI policy was sold to you, for example on the phone, in branch, through the post, internet application etc.
-What you took out your loan/credit card/finance for.
-Your employment details at the time you took out PPI, including salary and whether your employer provided any level of pay if you were unable to work.
Please note that we can assist you to get the information together for your PPI claim as part of our Free PPI Check, so please do not worry too much if you do not have very much information available in relation to the PPI or the accounts that it was sold on. in many cases we can proceed with a PPI claim with just your recollection of how PPI was sold to you.
What happens once I have complained to Barclays about PPI?
Once Barclays receive your PPI complaint they will have eight weeks in which to investigate the complaint and provide their complaint decision. The Barclays PPI complaint claim process is as follows:
Your complaint will be dealt with in 3 steps by Barclays:
Step 1: Acknowledgement- Barclays will acknowledge your complaint within 5 working days of your complaint being received and give you a personal reference number. Once you have your reference number it will be easier to get an update on the progress of the complaint investigation.
Step 2: Review- Barclays will conduct a thorough investigation of how PPI was sold to you using all the information available to them. Barclays might need to contact you if they have a question about the information you have provided them or they need more information from you to complete our investigation.
If any more information is needed Barclays will try and reach you by phone or email to let you know they are trying to reach you. Please provide as many contact details as possible so we can help Barclays to resolve your PPI complaint as quickly as possible. It can take up to 6 weeks for Barclays to resolve PPI complaints, but is often sooner. In any event Barclays should get in touch with you within eight weeks of your complaint even if they may require more time in which to resolve the matter.
Step 3: Complaint Response- Barclays are obliged to provide you with a decision on your complaint within 8 weeks of receiving your complaint. However, in some cases this could take longer than 8 weeks, and if If does, then Barclays should contact you to let you know that their decision has been delayed. Most PPI complaints are dealt with by Barclays within 8 weeks.
Where else can I get more information and help on Barclays PPI complaints?
There are a number of free sources of help and support related to PPI. The following websites provide information relating to PPI:
- The Financial Conduct Authority (FCA) – regulate the financial sector and protect consumers. The FCA provides general information to help you understand PPI. But they cannot give you advice about your individual circumstances or complaint.
You can contact them on 0800 101 8800 or write to:
Financial Conduct Authority
12 Endeavour Square
- Financial Ombudsman Service (FOS) – a free, independent service for settling disputes between financial businesses and their customers. They can deal with complaints about a wide range of financial issues, including PPI.
You can contact them on 0800 023 4567 or write to:
The Financial Ombudsman Service
- Money Advice Service(opens in a new window) – an independent service, set up by government to provide free and impartial advice to help people manage their money.
You can contact them on 0800 138 7777 or write to:
The Money Advice Service
- Citizens Advice(opens in a new window) – provides free, confidential and independent advice to help people overcome their problems.
You can contact them on 03454 04 05 06 or write to:
Citizens Advice consumer service
2nd Floor, Fairfax House
- Financial Services Compensation Scheme (FSCS)(opens in a new window) – If you think you were mis-sold PPI by a provider that has gone out of business, you may be able to claim on the Financial Services Compensation Scheme (FSCS). FSCS may cover you if you are, or were, a customer of an authorised financial business in the UK that no longer exists.