Santander Store card PPI NOT upheld

[paidtoomuch]

BAD NEWS!

 

Got letter from Santander stating that 'the insurance was set up on my account on 20th April 2004 blah blah It was sold to you over the phone by one of our advisors who explained the main features of the product and the price. The insurance was added to your account because you chose to do so. However you had an opportunity to change your mind as once you decided to take the product, a policy summary and policy document were mailed to you for your review. blah blah I understand you believe that you are not covered by Account cover insurance, as you are now self employed.However, you are covered by the insurance as I can confirm that being self employed does not exclude you from the main benefits of the cover.

 

Since then shown on your statement blah blah

 

I can find no evidence of mis-selling this insurance; therefore I am unable to refund the premiums applied to your account.

 

blah blah

 

ref to finance & leasing Association' (who the hell are they)

 

I had no need for this insurance as the credit limit was only £400 and I only used it once in store to buy my pram as they gave me 10% off, I lived with my now husband and between us could have covered this no problems at the time and bearing in mind I'd ticked no on my MBNA form and that had a CL of £3500 I'm guessing you can see the bigger picture that I'm not really and insurance person although I understand this won't necessarily make a good arguement

 

Any thoughts, letter back stating even if it was 'sold to me' over the phone (I have NO recolection of this however I had a 6 week old baby on 20th April) I had absolutely NO need for it?

 

thanks in advance

[rebel11]

Hi paid

 

Is it there final answer? If you believe you have been mis-sold PPI then make a complaint to the FOS. If they sent you a form to sign, as claimed then you want a copy of that form with your signature.

 

http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance

[WFLOSS]

Hi

I got a very similar letter from Santander and so have others.

Have a look at my thread as I was referred to FLA , which is the norm as they were not regulated before 2005 so FSA does not apply. By the way I don't really understand this issue of not being regulated!

 

However it does give Santander an excuse to pass the buck.

 

I am just a little ahead of you , so have a read of my thread. Sorry I don't know how to insert a link!

 

Regards

W

[rebel11]

http://www.consumeractiongroup.co.uk/forum/showthread.php?323576-Santander-PPI-on-Debenhams-Store-Card&p=3613862#post3613862

[WFLOSS]

Thanks Rebel11

 

Regards W

[dx100uk]

well obv they will say that

what did you send them?

dx

[millymollymoo]

Hi in court with these over all of this. Full of lies believe me !

[paidtoomuch]

the same letter I had sent to MBNA and Capital One who upheld. I've emailed them back stating I don't accept their decision and they need to send me my original agreement (which I know I didn't tick, I never did, never will do) and a transcript of this 'supposed' telephone conversation. I got an email back saying it had been passed to the relevant person, so i'm also wondering who the heck dealt with it in the first place:???: