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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

cleo4patra

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Everything posted by cleo4patra

  1. cleo4patra
    Letter from FOS : Insurance company will be making me an offer : I will post again when received
  2. cleo4patra
    Complaint upheld by FOS : will post further in due course . thank you as always for guidance
  3. cleo4patra
    this is now with the FOS who have set up the case. I have sent them copies of all documentation .
  4. cleo4patra
    well : I tried to claim PPI for this in 2016 but was deemed not mis -sold. I had forgotten I claimed to be honest and recently went through some paperwork and sent them another claim. Received letter saying had previously tried with copy of rejection letter. Further letter saying undisclosed commission : greater than the 50% threshold and a cheque on the way For £700.00 + !!
  5. cleo4patra
    Santander very prompt response : no change in their decision. Have now approached FOS.
  6. cleo4patra
    have had a reply from Axa (genworth ?) saying theyve forwarded my complaint to Santander who will respond of behalf of the insurer. what a carry on
  7. cleo4patra
    anything to wriggle off the hook !! I thought that was a bit dodgy !! Thanks I've written to Genworth asking them to re-visit my complaint . For the life of me cannot believe they think it hasn't been mis sold given the circumstances of the sale.
  8. cleo4patra
    thank you for that as always : I am now writing to Genworth asking them to re-visit my complaint. Received Santanders 4 page final response saying they have grounds to say I would have bought the policy in any event!! . Santander have said it's time barred under general legal principles having 15 years from the point of sale to bring a claim at court against SCUKL . They also say I may still be due redress under Plevin.
  9. cleo4patra
    sorry to be a pain : got the paperwork out again. Only just noticed the assistant didn't put a cross next to "Employment Status" on the application so clearly didn't ask about my Employment status at the point of sale. Also could this be classed as a pressured sale as I was in a queue of people in a very busy clearance department , was asked if I wanted to save 10% there and then by taking out a Debenhams account? I am now going to approach Genworth who I believe are the underwriters. Thank you
  10. cleo4patra
    complaint closed : letter from Santander they say no flaw in the sale and I would have bought the policy anyway. Probably because it was pushed on me whilst waiting in a queue in a busy clearance department in my lunch hour!!! I am now going to write to Genworth Life style Protection stating this . not giving up!!
  11. cleo4patra
    Rang Santander for an update : in theory final response day this week : they said it's still being investigated. They said they've a backlog of these claims that have been awaiting advice from the insurer but they now are ploughing their way through them. At this rate they'll have had my complaint from when I first lodged it for almost three years!!!
  12. cleo4patra
    Yes I see about the two different things: had similar from LLoyds recently regarding the commission which they paid out on but we will see what happens. But that was for a credit card and I went to the FOS, who suggested to Lloyds that it was an unfair relationship because of the commission. Couldn't go to the FOS with this Debenhams / Santander as it's a store card pre: regulation. But I understand if they refuse regarding the commission I can then go to Glenworth , and if they in turn refuse I CAN then go to the FOS re Glenworth?? many thanks
  13. cleo4patra
    you trained me well!!! they were asking things like if I served a probationary period in my job etc etc.... No I didn't do a spreadsheet but have used the sheets on this site more than once with great success. I think that's my next job. However it's whether or not i Paid more than 50% commission on the premiums?? thanks
  14. cleo4patra
    to be honest so much time has passed since I took the card out : I couldn't answer anyway and I said all of the info will have been on the original form. I submitted a copy of the application form with the assistants markings on it. I got the feeling they were trying to trip me up!!
  15. cleo4patra
    Submitted claim for mis sold PPI on Debenhams store card in Feb 2016. The card was sold to me whilst being served in Debenhams clearance dept in 2000. Queue of people waiting : assistant "crossed" the parts of the form including payment protection. Santander dismissed my claim : not mis sold : Couldn't refer to FOS as pre- regulation. However Santander then wrote back after the Plevin ruling. Possible unfair relationship because of the commission. They rang me last week for further info ie employment, savings etc at the time I took the card out (18 years ago!!). They say I will have a final response by 5th July 2018. Not holding my breath, but let's see. Am I correct in my understanding that if they refuse my claim I can then contact Genworth Insurance and if they also refuse I can then refer Genworth to FOS?? Many thanks as always
  16. cleo4patra
    what I mean is I was surprised at the amount ; they must have charged massive commission!!
  17. cleo4patra
    Letter received today from LLoyds : cheque being sent to me for £3000+. on the basis of non-disclosure of level and commission payable from the PPI premium created an unfair relationship. I wasn't expecting this at all. : when LLoyds turned my PPI claim down the Ombudsman agreed with that but Ombudsman asked LLoyds to review the unfair relationship aspect of the PPI sale. It's really worth going to the Ombudsman : theyve helped with me with several claims Nice letter to get today . thanks as always
  18. cleo4patra
    many thanks
  19. cleo4patra
    No, as I understand it , it will only be the difference over the 50% commission?? Crikey its been ages and to be honest ive lost track a bit as lost some documents when changing over to a new PC which was very unfortunate .... however I lodged a claim with LLoyds for PPI refund which they refused to my knowledge saying I knew what I was doing when I took it out. It was for a credit card. I sent to Financial Ombudsman for consideration, who also rejected that I had been mis -sold it but then received further letter saying about possibility of commission overpayment. Then just this week had the letter saying LLoyds are ready to make me an offer. I will try and find further info about dates, amounts etc and post further. Just posted for info really if anyone else has had the same thanks
  20. cleo4patra
    Hi all : a while since I posted. Had rejected PPI claim from LLoyds TSB : upheld by Ombudsman. However since the Plevin case , in the last few days Ive had a letter from the Ombudsman saying Lloyds are now ready to make me an offer and if the Ombudsman don't hear from me by 12th December they will assume this is ok and close the case. I realise it won't be much but never the less its better than nothing as I had given up on it to be honest. Let's wait and see... thanks
  21. cleo4patra
    Hi all : haven't posted in a while. Had letter out of the blue yesterday from Global Debt Recovery Ltd (New Malden) Client Jefferson (Insurance Product) sum of just under £100.00. We are today appointed as agents for the collection.......basically giving me options how to pay etc Never heard of this company and quite frankly don't recall any insurance owing. Any advice on how to respond please kind regards
  22. cleo4patra
    thank you : is it worth sending a standard letter to previous companies who refunded PPI to us as there were a few. Just wondered if there is a template letter? many thanks
  23. cleo4patra
    Letter completely out of the blue from Canada Square : regarding commission paid on PPI (they had rejected the claim previously) "following a Supreme Court decision and new rules and guidance from the Financial Conduct Authority you can now make a new type of complaint to us about the sale of your PPI policy" I am assuming this is as a result of the recent landmark Plevin judgment?? There was a form to send back Does this also apply to previously settled PPI claims?? thanks as always
  24. cleo4patra
    couldn't have done it without CAG!!! It's life changing money but most importantly of all it's about being in control again. I so want to see you get an outcome on your YB claim. Thanks for the message
  25. cleo4patra
    cheque arrived yesterday !!

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