Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder WFLOSS Novitiate

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    Default Santander PPI on Debenhams Store Card

    Hi
    Just about to start a claim for PPIicon on Debenhams store card.
    I will use the same arguments that I made to Eggicon who paid up.
    I will also refer to the agreeement they sent me , which has large crosses against the signatureicon boxes to indicate where I should sign . They have put a large cross against the PPI box .
    My recollection is that I signed up for the card in store , at the till point because they were offering 10% off purchases.

    I will keep you posted on progress, but would be interested in hearing from anyone about their experience with Santandericon and how they approach claims.

    Regards
    W


  2. #2
    Basic Account Holder Kate1973 Novitiate

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    Default Re: Santander PPI on Debenhams Store Card

    Hi Wfloss

    Good luck with your claim, i have found Santandericon one of the most stubborn to deal with, have a read of my thread, it is a long one and now i'm currently in a court case with them......... http://www.consumeractiongroup.co.uk...-Help-Required*******

    KatieJ
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  3. #3
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    Default Re: Santander PPI on Debenhams Store Card

    Thanks Katie
    I will re-read your thread and see what I can learn.
    Good luck with the courts
    Regards
    W


  4. #4
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    Lightbulb Re: Santander PPI on Debenhams Store Card

    Hi
    I have submitted claims to Santandericon for PPIicon on a Debenhams and HOF store card.

    I was doing some research and came across the PPI example in the FSA handbook.
    So being a saddo , I reconstructed my claim using the layout in the FSA handbook and both produce higher amounts than my claim. I just wanted to check that the scale of the claim was the same so am happy that I have not overstated my claim.
    I have estimated PPI back to 2000 so am sure Santander will take issue with the amounts and the claim probably as I can't seem to find many success stories on store card PPI.

    Would really like to win these though as just going through the transaction log has been a revelation . They charge 1.50 per 100 for PPI and 29.3% APR , so they have certainly had their moneys worh out of me.
    Of course I knew this, but it is only when I have looked at the detail and started to add things up, that I realised how stupid it is to use storecards especially if you don't pay them off each month!!!
    I will be closing these accounts as soon as this process is completed. Hopefully ending with two nice fat cheques.

    Regards
    W


  5. #5
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    Default Re: Santander PPI on Debenhams Store Card

    HI
    Santandericon have refused my claim and referred me to FLA.
    Reading other threads on here sounds like they are a waste of time so will ring fosicon tomorrow.
    Their basic argument is that I had 30 days to cancel,had a copy of T& C and PPIicon clearly indicated on my monthly account. Their sales people at the time (2000) would have explained this was optional and that I had signed the box saying I wanted it.
    Does anyone know of any cases where they have had to repay?

    Regards
    W


  6. #6
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    Default Re: Santander PPI on Debenhams Store Card

    Hi
    Another letter from Santandericon today refusing my Debenhams Store Card PPIicon , the one I got yesterday was a House Of Fraser Card.

    Referred to FLA again , so rang fosicon this morning and a not very helpful person said had never heard of FLA and I should ask Santander why they had done this.

    Rang Santander who explained it was because they weren't regulated in 2000.

    Rang FLA - left message no call from them.

    Rang FOS , got a very helpful person this time who had heard of FLA. Explained that Santander Cards weren't regulated at that time, but FOS would deal with the underwriter so I need to quote the insurer.

    If that isn't known , they will contact Santander . She simply asked me to send my questionnaire and they will take this up with Santander and gave me a reference and email contact.

    So I guess I am in for a long wait . given their workload on PPI .

    I also asked whether I was wasting my time based on the reasons Santander gave for turning this down, primarily because I can't find a successful Santander PPI on a store card on this Forum and as this seems to be trickier than loan PPI , it was good to hear that this wasn't the case.

    While waiting on the phone , looked at the FOS stats on their website for the number of PPI claims , who from and the number upheld , it makes interesting reading and helps pass the time if you are in a queue on the phone to one of our large financial institutions.

    Regards

    W

    So top tip,


  7. #7
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    Default Re: Santander PPI on Debenhams Store Card

    Hi WF

    Keep at it is all I can say....don't let themw ear you down.

    Regards

    ims

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    1. Single Premium PPI Q&A Read Here
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  8. #8
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    Default Re: Santander PPI on Debenhams Store Card

    Thanks IMS
    My luck had to run out as I was very lucky with my Eggicon claim. Also had what I consider to be a win with Nat West who have offered to repay late payments - the interesticon is rubbish , but I never expected them to repay anything without a fight.
    I have just emailed fosicon with all the details and have asked about timescales.

    Hopefully will be tackling Barclaysicon next who have not responded to my SARicon withing the time limit as they are trying to track down all the paperwork. Hopefully that is true as I know that I paid PPI on several loans that had balances from the previous ones.
    So get your calculator charged up as I may need help!

    Regards
    W


  9. #9
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    Default Re: Santander PPI on Debenhams Store Card

    Hi
    fosicon have asked me to submit my claim to Financial Insurance the underwriter, who should respond within 8 weeks.

    Reading other threads on here I am following the same path as others who are now waiting for FOS to deal with this issue of PPIicon pre 2005 with companies like GE Capital.

    I am following the advice, but struggling to see how the underwriter would pay up , and not Santandericon Cards ( GE Capital) also pondering who benefitted from the interesticon charged on PPI.

    Regards
    W


  10. #10
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    Default Re: Santander PPI on Debenhams Store Card

    Hi

    The agreement for the card was with GE. Their agreement stated PPIicon payable. PPI was charged on the card statement. The PPI was not sold to you by an insurer...it was sold to you by agents of GE. GE applied the PPI charge to the card and charged subsequent interesticon on it (if any). GE had the benefit of that interest and the profit earned on it.

    GE are responsible for the refund.

    ims

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    1. Single Premium PPI Q&A Read Here
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  11. #11
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    Default Re: Santander PPI on Debenhams Store Card

    Hi IMS
    It seems odd that fosicon are sending people to the underwriter , but there are several other cases on here where they have done that. what I expect to happen next is be referred back to Santandericon , then back to FOS when it is refused again.
    I have read in one thread that FOS are trying to unravel who is responsible, given these arrangements were made before they were regulated by FSA.

    I can't pretend that I understand why there is a difference and they won't pay up because of a pre 2005 agreement

    FOS technical guidance refers to general Insurance guidelines prior to 2005 and their position is quoted below:
    The ombudsman has noted that there is much in common between the present statutoryregulatory-regime and the non-statutory provisions that preceded it (and, indeed, the position at law). The non-statutory provisions no longer apply as specific requirements on those selling insurance. But the ombudsman considers they still represent a helpful guide to good industry practice.

    FOS must be dealing with a lot of these claims on store cards so it must be in their interesticon to establish the position on this.

    My issue is that although I signed up in 2000 , I have been paying this until very recently , so I sort of think that the FSA guidance should apply. These insurances are unusual in that they are not for a fixed term or renewed annually, so I don't think they should be able to hide behind the fact that they weren't regulated when I signed up. Also FOS is saying previous insurance guidance is very similar.

    Obviously in for a long wait on this , but others are ahead of me so it will be interesting to see what happens .
    Just out of interest , your win went back many years - did they make similar arguments?


    Regards
    W


  12. #12
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    Default Re: Santander PPI on Debenhams Store Card

    Hi

    My one was actually quite straightforward....compla int letter, fosicon questionnaire. Took them the full 16 weeks but then up popped an offer so job done.

    We must not forget that with fos, it is the banks who pay their wages.

    Also, the way I look at it is that you didn't have a contract at all with any insurance company/underwriter or anyone else. The contract is with GE/Santy and the ppi relates to the contract you had with them. It is mentioned in the contract (even if it was mis-soldicon).

    You're right, you might be in for a long process unless you take the other option and go through court.

    ims

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  13. #13
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    Default Re: Santander PPI on Debenhams Store Card

    Hi
    isn't it strange that some are easy and other claims go round in circles - obviously some technicality on the company the contract is with and how they were regulated at the time.

    I don't want to go to court , hats off to those that do. I will let continue with fosicon and see where that goes.

    I have other fish to fry with Barclaysicon , which should be more straightforward , if only they would fulfill my SARicon ( complaint in progress)

    Regards
    W


  14. #14
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    Default Re: Santander PPI on Debenhams Store Card

    Good Luck, a friend of mine is just about to send a claim to Santandericon, but we are not sure where to send PPIicon claim to, can you give us any advice please.

    Cheers
    AFW


  15. #15
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    Default Re: Santander PPI on Debenhams Store Card

    Hi
    Address below
    They were pretty quick responding/ rejecting which I think in my case is easy for them due to it being pre 2005 , but I have seen quite a few sucesses for cards taken out after 2005 , so hope your claim falls into that category.

    Good Luck
    Regards
    W
    Complaints
    Santandericon UK PLC
    PO Box 1125
    BRADFORD
    BD1 9PG



  16. #16
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    Default Re: Santander PPI on Debenhams Store Card

    subbingicon....

    GE MONEY - DEBENHAMS CARD
    Settled in full after prelim

    MBNA
    Settled after LBA
    however mistake made by me on contractual interest so going after the rest now
    SETTLED IN FULL JAN 2007

    MINT
    Offer after prelim rejected
    Settled in full after LBA


    to go:
    Barclays Bus Ac - to mcol
    Barclays CC - to mcol
    Nat West (over 6 years) no action taken yet
    Creation Financial - awaiting statements since Dec
    Goldfish - offer after prelim rejected
    and some more
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  17. #17
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    Default Re: Santander PPI on Debenhams Store Card

    Hi
    After reading TINKS thread . I have decided to write to Santandericon challenging them on their reasons for refusing my claim and referring them to FSA guidance and their recommendations on what approach should be taken with pre 2005 claims. They gave a final responseicon but hey ho I have nothing to lose.

    I have stated that they have taken the exact opposite approach when considering my complaint and have given reasons that the FSA say should not be used to reject claims.

    I have also written to the FSA about pre 2005 sales and the difficulties consumers are experiencing and asked them what they are doing about this.

    I doubt this will make any difference , but I feel better

    Regards
    W


  18. #18
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    Default Re: Santander PPI on Debenhams Store Card

    Hi
    Can anyone advise please.
    One of the accounts was upgraded in 2008 and I was given a new account number.
    I vaguely recall trying to use my card in store and the assistant was having problems processing the transaction. They were upgrading all the accounts at that time and they decided they could sort this by setting up a new account.
    I wasn't provided with two agreements with my SARicon, but could this constitute a new account ?
    My thinking is that this is after 2005 and that part of my claim should be dealt with by Santandericon
    Thanks
    W


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    Default Re: Santander PPI on Debenhams Store Card

    Me too am waiting for their defence as we speak. Dim idiots, credit agreement with crossed out sections , yet the old telemarketing call ploy is being used too. Wish you good luck WFLOSS

    CAPITAL ONE (O/H!): Won 1864.63 including contractual

    GE MONEY: WON 266.00
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  20. #20
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    Default Re: Santander PPI on Debenhams Store Card

    same boat (ish) here, I have rejected their rejection, just waiting to hear back again now, btw my card was taken out in Feb 2004 and still holds a small balnce (around 50).

    Good Luck all



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