Santander/A&L PPI query

[flowerchild]

I have other threads and have found very good advise here.

 

I have my main current account with Santander after they took over the business of the A&L.

The account dates back to the early to mid 90s and it came with a Flexiplan account attached to it.

 

A standing order goes out every month to the Flexiplan, when the account is in credit it's like a savings account but it also has a credit line of £750, which is totally independent of the overdraft.

 

Every month a small amount (just under £3) gets debited from my current account as 'Flexi Premiumcare'.

This debit has been there as far as I can remember, along with the £30 S/O to Flexiplan and is charged even when the Flexi account is in credit, which has been around 90% of the time.

 

Could this be PPI by any other name?

I think I must relate to the Flexi account and not the O/D as I've only had and O/D for the last 10-12 years, the Flexi was there since I opened the account.

 

Although the amount is small, it has been charged every month for around 17 years!

 

I've read in these forums that there's no time limit to reclaim PPI (if that's what it is).

 

Both my current account and Flexiplan are in credit and, thanks to MBNA taking over the A&L credit cards, I have no defaults with Santander.

Is there any way I could reclaim these 'Premiumcare' charges?

 

If I SARd Santander they'd probably send the usual 6 years statements which is not good as this goes back a lot further.

However, as far as I can remember, these amounts have been largely unchanged over the years (it may have been £2.75 and now £2.90/mth but that's about it!)

& the Flexi credit line has also remained unchanged.

 

How can I be sure it's PPI? if not, what is it?

Is there a way I can find out when I first got the Flexi,

I can't even remember what year I opened the account as it's been so long!

 

 

Also, is there a chance they could cancel my Flexiplan or even the O/D even though I'm in credit and paying in just because I start trying to claim old charges?

 

I also had a personal loan that I took out in 2006 with the A&L,

I rang Santander in August & they said the last payment would be the one in Sept this year so the loan is now paid off.

There was a single monthly payment going out to Santander Loans, otherwise I have no paperwork for the loan,

everything was done very quickly by a financial adviser in a branch in the City,

 

I think all I did was sign if at all! Is there any way to find out if any PPI was applied to this loan?

 

 

Thanks in advance!

[dx100uk]

def PPI

 

go get it back!

 

as for the SAR

 

it might well work

 

no harm in trying for £10.

 

dx

[WFLOSS]

Hi

I have a similar charge wth ny HSBC account, a monthly premium each month charged to my current account. It is called account protection.

I asked HSBC for a copy of the terms and conditions and my agreement with them. They rang me within a couple of days to say they could not find it and when did I take it out with them. I am still waiting for them to find a copy of the agreement , but I have sent a SAR as well, so await their response. They referred me to their website which lists flexilaon protection under PPI ( no longer sold)

I believe that this has been running since I opened the account some 20+ years ago and that it is only charged when there is a balance on the flexiloan account. The amount does not vary and has not changed since I started this. So it sounds very similar to your payment.

I cant really believe that I have been paying this for 20 years without question.

I have a thread on here for this and will be attempting to claim back within the next few weeks . I will update that thread with any progress and will watch this one with interest.

Good luck

 

WFLOSS

[martin2006]

Its definately PPI.

 

Did you know that A&L were fined £7million by the fsa in october 2008 for blatant mis-selling of ppi?

 

WFLOSS.

account protection is an income protection plan paying you a percentage of your income if you fall ill etc and extends to self employed aswell.

 

Whether this was mis-sold depends on your circumstances

[flowerchild]

Was getting ready to SAR Santander but have a few questions as things get a bit complicated:

 

 

1. I thought you had to send SAR for each account but been reading here that's not the case, a single SAR would cover ALL accounts, is that the case? (I have quite a few former A&L accts with Santander, i.e. current, savings, flexi, personal loan, etc.)
   
2. I also had an A&L CREDIT CARD which, according to a letter I found, was sold to MBNA in 2002, however, it was branded and run by A&L till 2009 when I got letter from MBNA followed by a new branded card and an interest rate hike to 36%! I defaulted on this card nearly 2 years ago. I SARd and CCAd MBNA; their reply stated they could not locate the CCA and have been quiet for nearly a year. I've never had a Santander credit card and my record with them is squeaky clean (loan fully paid up, accounts in credit) . I was wondering whether a SAR to Santander would uncover any 'dirty secrets' related to the above card???
   

Thanks in advance!

[dx100uk]

send it and see!

 

dx