Thread: Amex ppi

My husband has an amex card since approx 2002, which if I remember rightly he applied for after being approached at a service station! We have successfully claimed back a few charges made on the card but are also trying to claim back the PPI as when he applied he was self employed and feel that we would fully benefit (if at all) from this cover. At the time he was just told "ok, just sign here, here and here" with no explaination of the ppi, whether he needed it or benefit from it. Being in a hurry he just signed and left.

Then, when he had a bad accident in 2006 and needed to claim he asked for a claim form and was sent a letter asking for proof that his business had ceased trading (ie IR letter) therefore he was unable to claim on this insurance.

American Express have refused to pay back the ppi premiums saying that he would have had "some cover" under the policy (what exactly!).

I am unsure what to do next, do you think I should take it to the FSA or instigate court proceedings. The FSA as I understand it take a long time but on the other hand from reading some other posts Amex appear very aggressive in their dealings with people.

Thanks

Tink

Hello tink,

My husband has an amex card since approx 2002, which if I remember rightly he applied for after being approached at a service station! We have successfully claimed back a few charges made on the card but are also trying to claim back the ppi as when he applied he was self employed and feel that we would fully benefit (if at all) from this cover. At the time he was just told "ok, just sign here, here and here" with no explaination of the ppi, whether he needed it or benefit from it. Being in a hurry he just signed and left.

Then, when he had a bad accident in 2006 and needed to claim he asked for a claim form and was sent a letter asking for proof that his business had ceased trading (ie IR letter) therefore he was unable to claim on this insurance.

American Express have refused to pay back the ppi premiums saying that he would have had "some cover" under the policy (what exactly!). If they are using self employment as a reason not to pay out then the PPI was most certainly mis-sold.

I am unsure what to do next, do you think I should take it to the FSA or instigate court proceedings. The FSA as I understand it take a long time but on the other hand from reading some other posts Amex appear very aggressive in their dealings with people.

Thanks

Tink

If you have not already done so my advice is send a Subject access request to them withthe £10.00 fee.

Amex will then have 40 days plus 2 for postage times to supply you with all the information you ask for:

A true copy of the Consumer Credit Agreement with the terms and conditions applicable at the time.

Copies of all your statements.

A copy of the needs and wants/customer duty of care questionnaire that should have been completed at the point of sale to ensure the product was suitable.

Copies of all other data applicable to you as a data subject in whatever format they hold, paper, electronic, CS, microfiche etc.

Data Protection Act 1998 - Subject access request

If the fail to respond to your SAR or do not supply all the data then you can complain to the Information Commissioners Office.

For the Information Commissioners office. (this is an option if the DSAR is not complied with)
http://www.ico.gov.uk/upload/documen...ess_rights.pdf

Information Commissioner's Office - Information Commissioners Office

http://www.ico.gov.uk/upload/documen...lain_final.pdf

Complaints - Information Commissioners Office

Keep everything in writing and keep copies for future use.

The Financial Ombudsman Service would IMO be the way to go with a complaint.

The SAR should provide you will relevant paperwork to send to them with the complaint form.
The fos route will take a long time but you should get a positive result in the end