It’s worth digging…your PPI claim comes to £2,579 

Tony Hetherington is Financial Mail on Sunday’s ace investigator, fighting readers corners, revealing the truth that lies behind closed doors and winning victories for those who have been left out-of-pocket. Find out how to contact him below.  

Ms B.M. writes: I had a Barclaycard, and I believe there was PPI automatically included, so I asked a claims company to look into this for me. They replied that there was no trace that I ever held a Barclaycard, let alone had PPI.

The PPI deadline was some months ago, and I contacted Barclaycard on your behalf just in time to file your claim, leaving the real digging for later. Because you have moved around in your work, that digging involved tracing old addresses and the dates you lived there – all around 15 years ago.

Staff at Barclaycard were extremely helpful. They found your old account, and checked whether the PPI could have been helpful, or was mis-sold. You were able to show you worked at various hospitals, and were completely covered by good sick pay and redundancy schemes, so PPI was unnecessary.

Barclaycard found no record of enquiries by a claims management firm. Perhaps the firm gave you up as a bad job because your claim looked like hard work. Barclaycard told me: ‘After investigating Ms M’s account, we agree that she was mis-sold PPI on her credit card in 2004.’ You paid premiums of £976, and with compensation and interest, Barclaycard has refunded a total of £2,579. Excellent.

If you believe you are the victim of financial wrongdoing, write to Tony Hetherington at Financial Mail, 2 Derry Street, London W8 5TS or email [email protected]. Because of the high volume of enquiries, personal replies cannot be given. Please send only copies of original documents, which we regret cannot be returned.