Help needed with PPI claim from 1999 - originally GE Capital Bank - now Santander who are NOT interested!!

[Pathway]

Hi

 

Helping elderley lady with several health problems on Evans Store Card taken out with GE Money

in 1998. Santander took them over early 2010.

 

She was on benefit/severe eyesight problems. She had not been aware that she was being charged for PPI every month from 1998. Totally mis-sold.

 

Because PPI was taken out in 1999 (before FSA came into existence in 2005) the Financial Ombudsman Service are NOT able to help.

 

Santander are washing their hands of the complaint and have issued their final letter - making inaccurate assumptions which I find just damn rude and insulting.

 

Advice please as how to proceed. Dog with bone here.

 

Any help - gratefully received

[dx100uk]

sorry sant are responsible as they brought the rights lock stock and barrel.

 

dx

[harrassed senior]

Not sure of the ins and outs of PPI but have a read here : http://www.myfinances.co.uk/insurance/2011/05/10/banks-drop-ppi-appeal this may help as it only happened yesterday.

[BankFodder]

if you are saying that she was on benefits right from the very beginning – even when she was sold the insurance, then it is certainly mis-sold.

 

Have you got any statements? And who is it that she was paying money to?

 

Are you saying that she is still paying the PPI? Or did it end and in which case, when did it end?

 

Would you like to scan and post legible images of the letter that you have received.

[Pathway]

Hello

 

Thanks for your message.

 

She was on invalidity benefit at the time in 1998. She is now nearly 70 and on DLA and state pension.

 

She had not realised she had been paying for so called "account cover" for all these years till last year when she showed me her Evans Statement. This person also only has about 20% sight - so any letters in ordinary sized print she cant read.

 

Santander not interested. So far.

[dx100uk]

whom do the payments go to and whom is named on the statements?

they are your target

 

dx

[BankFodder]

Please will you email on our admin address. We will need to have a look at some of the documents and also get the details of the whole story.

Also, if direct action was to be taken, it would have to be in her name.

 

Contact me

[Pathway]

This is a classic mis-sold PPI insurance - mis-sold in 1999 to person aged 60 on disability and multiple health problems - so FinancialOmbudsman Service say not able to handle complaint as before 2005.

 

Santander being totally unreasonable issued final response.

 

Therefore, we are now going to issue county court claim.

 

Anyone been in same position - and any advice would be greatly appreciated.

 

Many thanks:wink:

[Bazooka Boo]

No unfortunately not, but will be very interested to see how you get on.