Can I re-claim PPI payments

[bownesslass]

Hello!! I hope I am on the right forum this time.

If I give a rough scenario could anyone advise please.My wife had a Dorothy Perkins store card for years and paid PPI at £5 per month for at least 15 years.

When she became unemployed,she asked for a claim form,which they Refused to send,and told her she was not covered for this.

They were quite prepared to send demanding letters,and charge her for the priviledge,when she dug her heels in and stopped payment.

The debt went from £400 to £1060 for which she is still paying to the present day.

 

Is there any way she could institute any proceedures to recover this extortion? We have only recently discovered these forums

Any advice will be greatly appreciated. Regards........

[johnnymitch]

Hi bownesslass , welcome to the forum and yes, you're in the right place this time .......lol

 

There are some very good advisors on this site , however, I'll post this link for you so you can make a decision as to whether you think you have a claim ..

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/61081-ppi-some-notes-claimants.html%23post514670

 

If you want more info by all means come back and ask - we're all user-friendly on here

[pinknico]

Why was she not covered?

[bownesslass]

Why was she not covered?

 

Hi, Pinknico.

Very good question!! What the devil had she been paying for all those years?

She asked for a claim form which they refused,out of hand,and just said she was not covered.If unemployment is not covered,then what the hell is.

[pinknico]

What year did she try to make a claim and are you trying/ tried to find out what it did cover.

The problem you have is there was probably no regulation of DOROTHY PERKINS when this was added, so unless they admit mis selling court may be your only action.

The year she tried to claim may help. Has she got a policy?

Edited January 12, 2009 by pinknico

[johnnymitch]

See what did I tell you bownesslass..... plenty of help on here for you ....

 

Trust me to miss the bloomin' obvious! What was she paying it for if they refuse to let her claim...... I'll leave you in the capable hands of pinknico ....

[bownesslass]

Johnnymitch!! many thanks mate,for your guidance.

This looks like it might be a tricky one.Regards.......de 73s

[bownesslass]

What year did she try to make a claim and are you trying/ tried to find out what it did cover.

The problem you have is there was probably no regulation of Next when this was added, so unless they admit mis selling court may be your only action.

The year she tried to claim may help. Has she got a policy?

 

I fear that there might be too much of a time lapse,to do a great deal more than has been suggested. My wife can not remember having a binding CCA or for that matter a policy.She lost her job in1996 so it would be around that time when she made her "claim".

when she did this she put it in the hands of the CAB who was acting on her behalf.

Thing is!! Would the CAB have retained records of all transactions in this matter with Dorothy Perkins.

After so long she can not bring to mind ever having a policy or not.

Where the devil would we find such info,after such a time lapse.In any case we will not give up just yet.

Regards........de 73s

[alanalana]

Hello bownesslass,

 

I would guess a cumbrian address:cool:

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08

Reclaim your PPI premiums - payment protection insurance | This is Money

 

 

Please have a look at the above links to see if they help. There are a lot more in the stickies at the top of the forum which could help you more;)

 

aa:D

[bownesslass]

Hello bownesslass,

 

I would guess a cumbrian address:cool:

 

 

 

Please have a look at the above links to see if they help. There are a lot more in the stickies at the top of the forum which could help you more;)

 

aa:D

 

That guess is 99.9% correct.

Thanks mate!will try those threads in the morning

Regards..........de73s.