Thread: Debenhams Store Card application & ppi

I would be very interested if any CAGGER has a clearly readable Debenhams Store Card application form dating from 1989 - 1991 where the payment protection section is clearly readable.

The reason is that I have smacked a claim in for PPI against GE/Santander & they have responded with I signed the box for it, they cant supply a copy of the agreement as they have admitted (twice) that the orginal no longer exists.

I do have a very bad photocopy of a microfiche, the ppi section is virtually unreadable but I can just make out that with regard ppi it says something along the lines of 'Debenhams Payment Protection Plan if you do not want this cover simply use the Freepost to return the card.....' which means to me that it wasnt optional!

This is going to be a long battle but the stakes are high.

Santander also state that they are not responsible for Debenhams store staff actions in promoting the Store Card and applications.

Originally Posted by dx100uk

oh yes they are

go get 'em.

and don't forget the interst + 8% stat.

have a read of the guidance notes by alanalana, they are very good.

dx

Thanks DX,

Thought that would be the case, the Debenhams staff were more interested in signing me up and promoting the card with a 10% discount on purchases if I took the card out ( as they still do to this day!) never even mentioned PPI.

The 'debt' is with CL I've cca'd them without reply or compliance - sent a reminder without getting a reply, so I have stopped paying them - expecting a court claim any day going on what I;ve read about them.

Have a letter from GE stating that the original agreement no longer exists and one from Santander stating the same after they bought GE.

The outstand balance is about £3900 and my claim for ppi is about £9500 including interest and the 8%, so if CL shove a court claim my way can I counter claim the ppi from them as they own the debt absolute.

Mind you, they and GE never severed an assignment letter and GE never issued a default notice - they state that DN are system generated and copies arent kept.

Starting to panic a wee bit regarding CL, not sure if I did the right thing in stopping payments due to non complaince to my cca request (March!).

beachy

Well after almost 12 months of silence a letter from CL saying they want their money & enclosed the T&C's which applied at the time the Debenhams account was opened (1989).

Agreement they supplied is microfiche copy & is unreadable, GE already admitted original not available.

So a court claim is inevitable by what I've read about CL.

Amount outstanding approx. £3,500
Against which is unlawful charges about £200 (tried reclaiming but GE said no but they refunded £9 to CL as a gester of goodwill).

PPI complaint (which GE wont entertain) £9,900 including all interest (calculated Sept 09).

Beachy

very interested to hear how you get on - have just sent a SAR to ge for my debenhams card whic is also with cl