Hi there. My husband is trying to claim ppi from Littlewoods/shop direct. He has received a letter from then saying he did have ppi with cover plus. Start date was in 1994. It was fully paid. The thing is, they have enclosed a claim form from the FOS. Why would they do this? Many thanks

its the std industry form

you just fill it out and send it back to shop direct

Thank you. I was concerned they were passing it to FOS because of the date as way out of trying to get out of paying up.

the issue here might be that even though they are saying he had PPI from 1994

sadly no-one was regulated at that time

so they might well fob you off on payments before 2005 and even the whole lot

I doubt that even the PPI insurance underwriters were regulated either as GISC and API I don't think go back that far either.

see what they offer you.

have you got ALL the statements etc?

or did you simply click their PPI link or sent a speculative letter to ask for PPI refund?

if you haven't got any info send them an sar its free.

Thanks for that. My husband does not have any paperwork for that time. He requested on-line to begin with... they then asked for proof of his current address... then this form to complete. The covering letter stated his account number..that it was a cover plus account.. and the start date. Regards

sar time then

inc a CTAX bill copy as per the guide

OK, will check the SAR thing out. Dont you find it strange that they sent the form to fill in, when they clearly know the start date of the ppi? I would have thought that they would say immediately that the werent regulated at that time... hmmmm.. Regards

lets see

probably just a data junior that searches for ppi but doesnt know how things end up.

dx

Hi there. My husband has just received a check from Shop Direct... it just says "compensation".. no mention of PPI or how they got to that figure. Can anyone shed light on this? Many thanks

**cheque

Refund of int they wrongly charge because they did not send notices of sums in arrears or such like i expect

Dx

Hi there..Sorry for being thick, im not sure what you mean. Do you think this ISNT regarding his ppi claim? But something else hes not aware of/cant remember? Thank you

Threads merged ..please keep to one thread per issue.

Regards

Andy

Sorry Andy, I didnt realise

Was there no cover letter with this cheque or explanation ?

Give them a ring and ask

Andy

No,nothing Andy.. Just a cheque with the words "compensation" written at the top. They have had their 8 weeks to respond re my husbands ppi. We expected an offer (or refusal), not a cheque. I always thought they send an offer 1st? Maybe i am wrong. Have you came across this before? Kind regards

Is the amount comparable to what you was expecting ?

Are you happy with the amount or do you wish to challenge it further ?

Hi Andy..we were expecting a few grand + This is for £390. Im not sure if its something to do with the timeframe as it was way back 1992, pre-reg. Surely if it was for PPI, there would have been mention of it somewhere/covering letter. Ill get him to get them a ring but it would have been interesting to know if anyone else had come around this before. regards

I would get the details first...it may have no connection to the PPI.

Yes, thats what Im starting to think. Many thanks for your help. Regards