GE Money Debenhams

[yelah4u]

Hi everyone,

I wrote to Santander on behalf of my mother who took out a Debenhams storecard in 1994. The card was takin out in store with the Account Protection box ticked and signed by someone called Audrey (not my mother). She paid this up until 2004/2005 when I cancelled this for her but didn't know at the time about refunding her.

Basically I have reached dead-lock with Santander who have advised me to go to the FLA (I have been told that the FLA are a waste of time).

What do I do next?

It's been 11 months since I last had any communication with Sanatander due to illness but I do have copies of the correspondance that was sent.

Any advice would be appreciated, and I am nervous about a court claim due to the amounts invovled (she paid about £80.00 per month for this policy for roughly 10 years). At the time that the storecard was taken out in Dec 1994 she was only working part-time, for the police who have there own sickness payment scheme, and was diagnosed with diabetes in 2002. She has never claimed from this policy, obvioulsy as she never knew she had it. Nothing about account cover was explained to her at the time she was offered the storecard, and she did not realise that it was optional until she got into financial difficulty some 10 years later. The account was arrears and is now been dealt with by CL.

Please help.

Thankyou

 

Haley

[dj1971]

Hi Yelah4u,

 

Do CL now own the account, or are they just acting as agents for Santander?

 

DJ

[yelah4u]

Hi there,

 

CL now own the account to the best of my knowledge.

 

Thanks.

[dj1971]

May be worth checking that out Yelah4u. Your mum should have received a letter of notification of transfer of this account to CL.

 

If indeed CL do own the account, it is they who are now responsible for any claim for PPI. Which may mean you having to start the whole process all over again.

 

DJ

[yelah4u]

Thanks, I will send them a letter. Would you suggest that also I stop paying them by saying something along the lines of the account is now in dispute?

[dx100uk]

do you have the agreement?

 

scan your sheets/agreements

remove all pers info inc barcodes etc but leave all figures and dates.

goto one one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

browse to your pdf file and upload it

hit close this windows at the bottom below upload it box

 

dx

[yelah4u]

Yes I do have a copy of the origional agreement from 1994 this was sent when I asked Santander for the SAR, so I will upload it but I am away from home now at work until early tuesday morning. So I will do it as soon as I get back home. Shall I just post it on here?

[dx100uk]

well if you've got it the FOS will back you.

 

you'll get everything + interest

 

dx

[yelah4u]

dx100uk, so do you think that I should go straight to the fos, as I have a copy of the agreement that Santander sent me after I sent my initial letter and the SAR that clearly shows that the account protection box was ticked and signed by someone called Audrey (not my mothers name)?

[dx100uk]

TBH i must be fair and say that your claim for PPI is always with the OC [ thats what i've always been told here]

however, as you've gone past the 6mts required to go to the FOS since the Oc's final response [i assume you have a letter stating that whatever the OC is saying HAS been their final response?]

if not i'd write them again with a spreadsheet detailing your claim and get a final response - then go to the FOS,

 

you will have to wait sadly, there is a huge backlog.

 

dx

[yelah4u]

Yes, I do have the letter saying that it is their final response and that if I was unhappy to go to the FLA. So do you think the fos will take on my complaint so long after the final response from Santander?

I don't mean to be daft but was does OC stand for?

 

Or would it be worth pursuing CL, sending them a letter and stating the reasons why the policy was mis-sold?

[dx100uk]

oc = original creditor

 

ok well you need to see if cl will play ball on a ppi reclaim then.

 

send them a letter and speadsheet of your claim

 

lets see

 

dx

[yelah4u]

Ok I will send a letter to CL and keep you informed - thanks for your help.

[yelah4u]

Just to keep you updated, I spoke to the FOS today and they said that they would have a look at my claim, going back to 1994. They also said not to bother writing to CL.

So they have sent me some forms in the post and I will keep you all updated.

[gettingsorted]

am interested in how you got on with the FOS with this claim ?

Thanks