Fluffycloud vs Studio/Express Gifts PPI Claim

[fluffycloud]

Hi all

Another claim underway with Studio/Express Gifts, sent a Subject Access Request got my statements, claimed my admin charges and they rolled over straight away and I got them refunded immediately (well within 2 weeks). Trying to claim back my mis sold PPI on the account as I was self employed and a housewife at the time of account inception. Sent template letter and I received a reply basically saying:
Its an optional cover for all customers, offered at the point of ordering by telephone or online, no written confirmation is required to opt into the policy. At the inception date of the PPI, a welcome letter was despatched to the account address (which I never received) detailing the full T&Cs, premiums have been charged at 1.95% of the o/s balance per mth. We are unable to refund premium charges to your account.

Is there anything I can do? Is this standard stuff?

[fluffycloud]

Help!!

[reidnet]

"no written confirmation is required to opt into the policy"

Are these Jokers having a laugh,You need to get them to proviude you with a true copy of the credit agreement, PPI is classed as a seperate contract with most companies, They seem to think that they can simply add it to your account without your permission..I dont think so..

When you submitted you Subject Access Request you should have recieved copies of all information relating to your account, not just copy statements, The onus is on them to provide clear evidence that you did in fact opt into the PPI, but thats just my opinion..

Good Luck

Ian

[megan34]

Im in the process of trying to get my ppi payments back fromt hem aswell - they have sent me a copy of the terms and conditions (no signature anywhere) - it says that "express gifts ltd have arranged this cover with Bankers Insurance Company Ltd and bankers life assurance company ltd. both member companies of Assurant Solutions. If you have any questions .please write to us at: 117 - 119 Whitby Road, Slough, Berkshire SL1 3DR."
So If you are offered it in a telephone conversation then surely by law the person selling this policy has to go through it with you to see if you are eligible? according to the t&c they seem to leave it up to you:
......................... .........
"A Introduction: This document tells you about the benefits ,conditions and exclusions of your payment protection plus cover.Please read this document carefully to make sure you are eligible for cover and that you know what the policy does and does not cover."
......................... ..........
So which is it - does the person by law have to go through the policy with you in an effort to make sure it is sold correctly over the telephone? or do they just ask you on the phone if you want it ( no way of disputing that either) and then send you all this gobbldy gook reading for you to desipher yourself and make sure that you are eligible?

[hellhasnofury]

Originally Posted by megan34

Im in the process of trying to get my ppi payments back fromt hem aswell - they have sent me a copy of the terms and conditions (no signature anywhere) - it says that "express gifts ltd have arranged this cover with Bankers Insurance Company Ltd and bankers life assurance company ltd. both member companies of Assurant Solutions. If you have any questions .please write to us at: 117 - 119 Whitby Road, Slough, Berkshire SL1 3DR."
So If you are offered it in a telephone conversation then surely by law the person selling this policy has to go through it with you to see if you are eligible? according to the t&c they seem to leave it up to you:
......................... .........
"A Introduction: This document tells you about the benefits ,conditions and exclusions of your payment protection plus cover.Please read this document carefully to make sure you are eligible for cover and that you know what the policy does and does not cover."
......................... ..........
So which is it - does the person by law have to go through the policy with you in an effort to make sure it is sold correctly over the telephone? or do they just ask you on the phone if you want it ( no way of disputing that either) and then send you all this gobbldy gook reading for you to desipher yourself and make sure that you are eligible?

The point I feel is that they are not remotely interested as to whether it is eligble for you. They only want your money, Once you have, it by fair or fowl means, they can then find some exclusion not to pay up, so the customer loses on both counts. a double whammy for you and lots of dosh for them. It makes my blood boil.

I certainly would give them a run for return of your money

[fluffycloud]

Does anyone know where i can find a good template letter to get my PPI premiums back?