Evans store card (now Santander)

[ICY]

Starting a claim against Santander, was originally sold by to my wife by Evans at the tills, pressure selling, sign here gets loads off, and great deals ect, you know how it goes

 

She didn't know it had PPI on it until i did SAR, there's a small box which has been ticked which say "I wish to purchase Account Cover insurance" her signature is above and below it, the box has of course been ticked, but other than that the only mention of the insurance is a box mention some benefits and nothing about conditions, the terms of the store card are actually tine I don't know if that's just because they have been shrunk when they copied to send me (A4) but I really doubt it.

 

Now I have tooted up all the payments and done the Questionnaire, the thing I need to know now is which spreadsheet should I be using to work out the interest?

[dx100uk]

fosrunningCI

 

dx

[ICY]

fosrunningCI

 

dx

 

The third one ?

[ICY]

The problem is when I did the SAR back in January they didn't produce any statements, they mearly produced a "list of transactions" which would make filling in the 3rd spready impossible, we might be able to find a few but I i would have to dig in about 3 hundred boxs in a dark storage container to find them, thats not going to be easy

[dx100uk]

fosruningPPI

 

This third spreadsheet is a calculator that will work out a fos based PPI award on a Revolving Credit Account such as a credit card. It will also work out the additional 8% interest awarded where the account moves into credit as a result of the removal of the PPI from the account. Be aware that you will need ALL of the account statements for this spreadsheet to give the correct result.

 

FosRunningPPI v102.xls

 

 

dx

[dx100uk]

then the 4th one

 

READ WHAT THE DESCRIPTIONS SAY

 

 

dx

[ICY]

Ok got it, I got a little mixed up to start, 209 has suddenly turned into 793

 

Whats Santander usually like at accepting claims, i know each claim is different and isn't guaranteed to be treat the same as the last, just wondered if there was a norm.

Edited July 20, 2012 by ICY

[citizenB]

It is difficult to say how they will respond to your claim, so it would be wrong of us to advise otherwise.

 

A properly prepared spreadsheet and clear reason as to why you believe the PPI was mis sold - which you appear to have, should result in a reasonably prompt settlement. Although "prompt" is a word the banks dont seem to fully understand.

 

They have 8 weeks in which to respond to you and in the event that they say no, then you have choices. Challenge their decision, submit your claim to the FOS or issue a claim against them in the County Court.

[ICY]

Somthing I have just been thinking about.

 

My wife has have never received any insurance policies, policy numbers, or other literature, as far as it appears so far there is no evidence that a policy even exists, there is evidence from the transaction list that money has been taken for a policy, therefor I can only come to the conclusion that either Santander have failed to fully comply with a comply with Subject Access Request and have withheld documents regarding the account to which I would have to ask why, the only other possible scenario I can possibly see is that no insurance policy has ever been set up, which raises my eyebrows higher than they have ever been raised before, is there not legal implications there (IF that's the case).

 

Of course I could be completely wrong and they may have a policy but why wouldn't there have been any mention of it in the stuff that came back when I SARed other than 1 entry on the contact list when my wife called them to cancel cover in 2010

 

Yours

 

Mr Cynical