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    • I would also take this opportunity to add that I don't really understand why you purchased an insurance policy for this watch – unless it offered you something like new for old, accidental damage or that the policy was transferable to a new owner in the event you decided to sell the watch. If there is not the features that interested you then you are perfectly adequately covered by your consumer rights contained in the Consumer Rights Act 2015 and of course it would be unlawful for John Lewis to attempt to exclude or limit liability in case something happened to the watch and it ceased to be of satisfactory quality for a reasonable period of time. By and large these extended warranties are a waste of money
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Catalogue Account Cover


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Good Morning.

 

Have now decided to go after my catalogue account cover.

 

Opened catalogue accounts in 1991 (Littlewoods) and 1996 (Great Universal).

 

Dont know when exactly they started charging account cover nothing for me to sign to say I wanted it I can just about remember it being there one month and thought it compulsary.

Dont have an outstanding balance on the accounts anymore finished paying over a year ago.

 

Can I still claim ppi back? and if so, How do I go about it?

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Good Morning.

 

Have now decided to go after my catalogue account cover.

 

Opened catalogue accounts in 1991 (Littlewoods) and 1996 (Great Universal).

 

Dont know when exactly they started charging account cover nothing for me to sign to say I wanted it I can just about remember it being there one month and thought it compulsary.

Dont have an outstanding balance on the accounts anymore finished paying over a year ago.

 

Can I still claim ppi back? and if so, How do I go about it?

 

Hello Msowing,

 

You will have to send both of them a SAR for info on the account.:grin:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Just reading your thread - I have also two weeks ago sent a letter to shop direct group(who own littlewoods etc) listing all my accounts I have and had , asking for my payments back as I think they were useles . I have so far recieved one letter saying they are looking into my complaint.

So it will be interesting to see what happens with yours also ...

Thank goodness I found this site!

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  • 2 weeks later...

Hi.

Been away for a few days so just catching up.

I have received a latter from Empire (went after them as well) and I dont really understand it.

 

In their reply they state that the policy was 'sold' in July 97 and prior to 2005 they did not have to comply with Financial Services Authority rules.

Does that mean that I do not have a leg to stand on to claim my ppi back?

 

They go on to say that I was given a set of Terms and Conditions and that was sufficent information to make the decision of whether I wanted the policy or not.

Thats not true I was never given a choice one month it was just there and I was never informed I could cancel it, I would have to have been pretty stupid to pay for an insurance for over 10 yrs for something I could never claim on. (and Im not stupid I was mis informed)

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Good Morning

 

Please does anyone know if I can claim or not because I really dont understand their letter about FSA rules.

Hello Msowning,

 

That is just a standard "you can't get us" letter:rolleyes:

 

Any claims before 2005 the Financial ombudsman service will not look at:mad:

 

This is because financial companies were not regulated by the financial services authority, they came into power sometime in 2005.

 

They try to hide behind this fact, hoping that you will feel there is no-one to turn too and stop the complaint:mad:

 

But you must let them know that you are not going away without the refund of your money:-D

 

You have the option of taking them to the small claims court, that will make them sit up and take notice:grin:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks hellhasnofury.

 

Sent letter today with I dont accept your letter.

 

Along with my DWP letter to say I wasn't working lets see them get out of that one :D .

 

Will definately be considering taking them to small claims court they owe me account cover for 10yrs of payments.

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Had a reply from Great Universal regarding account cover. They basically say that they phoned me to agree to account cover when I opened account but as records only go back to 2002 they cannot confirm this. (Thats not true account cover didnt exist when I opened account in 1996). They say they had a sales script when I accepted the cover and certificate was sent out and I had 30 days to cancel. (Again not true).

 

Then they say that as the insurance was taken out over the phone there was nno paperwwork to be signed.

 

Also they say as the policy was taken out befor 5/11/04 I am not able to complain to FOS as they were not a member of a Dispute Resolution Service until that date FOS wil not even consider my complaint and that the first letter is their last letter.

 

Are they correct and dont I have a leg to stand on?

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Had a reply from Great Universal regarding account cover. They basically say that they phoned me to agree to account cover when I opened account but as records only go back to 2002 they cannot confirm this. (Thats not true account cover didnt exist when I opened account in 1996). They say they had a sales script when I accepted the cover and certificate was sent out and I had 30 days to cancel. (Again not true).

 

Then they say that as the insurance was taken out over the phone there was nno paperwwork to be signed.

 

Also they say as the policy was taken out befor 5/11/04 I am not able to complain to FOS as they were not a member of a Dispute Resolution Service until that date FOS wil not even consider my complaint and that the first letter is their last letter.

 

Are they correct and dont I have a leg to stand on?

 

Hello msowing,

 

To put it into context, you know it was mis-sold, they know they mis-sold it, but they are hiding behind the fact that they know the fos will not investigate the claim because date of the account. If they do not have evidence that you agreed to it, all the better for you

 

Now your options are, either believe everything they tell you, or take them to court

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks hellhasnofury.

 

I am not going to believe everything they have said and I am now going to sent they the same letter I sent to Empire with copy of DWP letter.

 

Guess I could be keeping small claims court busy as I will proably get same letter from Littlewoods.

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  • 2 weeks later...

Well Empire have written their final response. Again they say that because they werent regulated when I took out insurance I can go take a running jump and I dont have a leg to stand on and they win so dont write to them again. My proof of not working doesnt mean anything to them. They put leaflets in about FOS because they say they have to but basically dont bother contacting them becaue they wont do anything.

 

Ok now i'm ready to get them. Someone help please on what my next move is? Do I write to them again using letter before action stating i'm going to take them to court? or do I just file with small claims court? Any help will be appreciated

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  • 1 year later...

Hope ive posted in the right place.

 

Quick history

 

Wrote to Empire Stores [Redcats] back in April re PPI mis selling, didnt hear anything so sent a second letter, had a letter back from them 4th June saying they were looking into my complaint.

 

I heard nothing until yesterday when I received a letter from Shop Direct which now own Empire [Redcats] saying that they are sorry its taken so long but they can do nothing because when the account was opened they didnt own Empire Stores [its taken them over 2 months to write that] and that I should now start again and write to Empire Stores at Canal St Bradford. However I have been writing to Canal St Bradford I never ever wrote to Shop Direct which is in Liverpool. I have copies of all the letters and the Recorded Delivery slips. :confused:

 

Anyone have any idea on what my next move should be??

 

I havent yet sent a SAR. Should I??

 

Thanks in advance

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This is the information from Companies House:

 

Name & Registered Office:

EMPIRE STORES LIMITED

2 HOLDSWORTH STREET

BRADFORD

WEST YORKSHIRE

BD1 4AH

Company No. 00127015

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Active

Date of Incorporation: 06/02/1913

 

Country of Origin: United Kingdom

 

Company Type: Private Limited Company

 

Nature of Business (SIC(03)):

 

5261 - Retail sale via mail order houses

 

Accounting Reference Date: 31/12

 

Last Accounts Made Up To: 29/12/2007 (DORMANT)

 

Next Accounts Due: 31/10/2009

 

Last Return Made Up To: 22/10/2008

 

Next Return Due: 19/11/2009

 

Last Members List: 22/10/2008

 

Previous Names: Date of change Previous Name

11/01/2000 EMPIRE HOME SHOPPING LIMITED

05/02/1990 E.ROBERTSHAW & CO.,LIMITED

06/03/2000 REDCATS (BRANDS ) LIMITED

 

 

 

Then this from the FSA Register:

 

Empire Motors BT36 4WX No longer Authorised

Empire Property Management Ltd CV1 5PW Introducer A.R.

Empire Travel and Insurance Services Ltd W6 9NH Empire Travel And Insurance Services Ltd Appointed Representative

Mortgage Empire Ltd WV4 6JX Mortgage Empire Appointed Representative - Former

Norbert Ogakwu HP2 7RG Empire Mortgage And Finance, Mortgage Federation, Mortgage Force Nw002 Authorised

Redcats (Brands) Limited BD99 4XB Empire Stores Limited Introducer A.R. - Former

Redcats (Brands) Limited BD1 4AH Empire Store, Empire Stores, La Redoute, The Store, Vertbaudet Authorised

Southdale Ltd E1 4LB Empire Estates Introducer A.R. - Former

SSB Investments Ltd TW4 7EZ Ssb Investments LtdEmpire Estates Introducer A.R.

Travel Empire Ltd S73 8HB Appointed Representative

 

Which leads to this on the empire links:

 

201500 - Redcats (Brands) Limited

Current status: Introducer A.R. - Former Effective Date: 05/11/1999 Tied Agent:

Undertakes Insurance Mediation:

Registered under Money Laundering Regulations:

Address: 18 Canal Road

Bradford

West Yorkshire

BD99 4XB

Phone:

Fax:

Email:

Website:

 

 

44 01274 729 544

44 01274 763 884

Or this:

 

312583 - Redcats (Brands) Limited

Current status: Authorised Effective Date: 14/01/2005 Tied Agent:

Undertakes Insurance Mediation: Y Registered under Money Laundering Regulations:

Address: 2 Holdsworth Street

Bradford

West Yorkshire

BD1 4AH

Phone:

Fax:

Email:

Website:

44 01274 729 544

44 01274 731 721

No e-mail address supplied

http://www.laredoute.co.uk

Notices: Unable to hold client money.

Then there is this on shop direct from companies house:

Name & Registered Office:

SHOP DIRECT LIMITED

FIRST FLOOR, SKYWAYS HOUSE

SPEKE ROAD

SPEKE

LIVERPOOL

L70 1AB

Company No. 04730752

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Active

Date of Incorporation: 11/04/2003

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

7415 - Holding companies including head offices

Accounting Reference Date: 30/04

Last Accounts Made Up To: 30/04/2008 (FULL)

Next Accounts Due: 31/01/2010

Last Return Made Up To: 11/04/2009

Next Return Due: 09/05/2010

Last Members List: 11/04/2009

Previous Names: Date of change Previous Name 07/05/2003 2207TH SINGLE MEMBER SHELF INVESTMENT COMPANY LIMITED 06/05/2008 MARCH U.K. LIMITED Branch Details

There are however a lot of shop directs listed in companies house:

 

04730752

SHOP DIRECT LIMITED

04590337

SHOP DIRECT COMPANY DIRECTOR LIMITED

05330323

SHOP DIRECT CONTACT CENTRES LIMITED

04660974

SHOP DIRECT FINANCE COMPANY LIMITED

04730706

SHOP DIRECT FINANCIAL SERVICES LIMITED

00039708

SHOP DIRECT GROUP

05200103

SHOP DIRECT GROUP FINANCIAL SERVICES LIMITED

04663281

SHOP DIRECT HOME SHOPPING LIMITED

06863409

SHOP DIRECT LICENSING LIMITED

04857082

SHOP DIRECT ONE LIMITED

06713199

SHOP DIRECT ONLINE LIMITED

05807745 D SHOP DIRECTOR LIMITED Dissolved 03191443

SHOP DIRECT SECRETARIAL SERVICES LIMITED

04829506

SHOP DIRECT TRUSTEES LIMITED

06206980

SHOP DIRECT 247 LTD

06977778

SHOP DIRECT (UK) LIMITED

 

This is the link for companies house so you can carry on with your searches...

http://wck2.companieshouse.gov.uk/9500f4e09ac78aee6cb08d5acbb4d970/wcframe?name=accessCompanyInfo

 

 

From the FSA Register this is what comes up with a search for shop direct:

 

Shop Direct Contact Centre Ltd PR1 4BR Appointed Representative

Shop Direct Finance Company Limited L30 1SL Littlewoods Finance Company LimitedLittlewoods Authorised

Shop Direct Financial Services Ltd L30 1SL Shop Direct Authorised - Applied to Cancel

Shop Direct Group Limited M60 6EQ Abound, Additions Direct, Choice, Choice For You, Great Universal Essentials, Great Universal Stores... Appointed Representative - Former

Shop Direct Group Ltd M60 6EQ Gus Home Shopping LimitedChoice, Family Album, Fashion Extra, Great Universal, Gus Home Shopping, John England... Introducer A.R. - Former

Shop Direct Home Shopping Ltd L70 1AB Littlewoods Home Shopping Limited, Littlewoods Shop Direct Home Shopping...Abound, Additions, Choice, Choice For You, Great Universal, Great Universal Essentials...

 

and this is the link to the FSA register:

 

http://www.fsa.gov.uk/register/firmMainSearch.do

 

Hope this helps you out.

 

aa

Edited by alanalana
text adjust and additions

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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You are welcome keep posting. A lot of information I know but it gives you the tools to dig further ;)

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 5 weeks later...

Hi

I am now going after Littlewoods again, tried last yr but gave up i wasnt as clued up then.

 

I have received my SAR from them and found that I have paid £700 in ppi between 2003-2006 :eek:.

 

My question is, Do I have to write to them first just asking for a refund [knowing last yr they said no], or do I send a demand for a full refund plus interest straight off.

 

I know it was mis sold I wasnt working I was on benefits.

 

There was also no insurance documents in SAR either.

 

Thanks in advance

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I would send in a new letter with the interest added.

 

Keep me up dated as i will also be going after littlewoods so maybe we can help each other on this one?

 

Thanks livingdeadguy, will do it later.

 

I've got 2 claims in already with Shop Direct Group, Empire Stores and Great Universal. Empire are just pi**ing me around so I am awaiting SAR from them so that I can send payment request. Great Universal have point blank refused even told me I couldnt go to FOS. Did it anyway and I am awaiting FOS decision.

 

Good Luck with your claim they are not an easy bunch to crack.

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You should now be checking the link i have just posted in the PPI forum which names and shames the financial industry and use it to good effect.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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You should now be checking the link i have just posted in the PPI forum which names and shames the financial industry and use it to good effect.

 

PF

 

Thanks PF

 

Will include in my letter that FOS has already upheld complaints.

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