Totally confused - Freemans PPI

[dosb123]

Hi,

 

I have been trying to reclaim the PPI that I was paying to Freemans.

 

I was honestly never asked if I wanted it and up until recently I thought it was standard and had to be on my account.

 

After writing several letters and then several more to chase any form of reply I have received the letter which I shall type below.

 

Does anyone have any advice as after hearing about other peoples PPI claims I feel disappointed now. Thanks

 

Dear X

 

I am in receipt of your letter dated 29 September 2012 regarding Payment Protection Insurance.

 

I can confirm that my investigations are now complete and I would like to make the following observations.

 

Our sales processes have always had regard to the legal requirements in force at the time.

 

As the policy was applied to your account on 16/05/00,

you will be aware the detailed rules currently enforced by the Financial Services Authority were not applicable at this time.

 

I can also confirm that cost to the customer was always part of the sales process and that full consent was always actively sought.

 

This was only obtained when the customer confirmed eligibility and suitability.

 

The polices we have previously sold have changed over time.

 

However, those which carried benefits associated with unemployment were equally valid for the self employed providing you worked 16 hours a week

or more and paid the correct National Insurance contributions.

 

Furthermore, every monthly statement you have received, where applicable,

always referred to the policy giving transparency of all transactions taking place on the account,

giving you the opportunity to review your account on a regular monthly basis and raise any matters you may wish to.

It has always been possible to cancel at any time, by whatever means, and without penalty.

 

Having considered all the matters raised, I regret to inform you that I am unable to uphold your complaint.

 

The issues you raise appear to fall outside the jurisdiction of the Financial Ombudsman Service

owing to the length of time your policy has been in force.

You are, of course, at liberty to contact them and they may, in exceptional circumstances, waive the prescribed time limits.

 

In accordance with the legal requirements as they apply to the investigation of complaints, I must inform you this is my final response regarding this matter.

 

I understand this is not the outcome you have been looking for, but I hope that you understand the reasons for it.

 

Yours sincerely

 

 

XXXXXX

[pink1808]

Hi I have just started my claim with Freemans but looking at your reply I am not going to hold my breath.

 

The reasons I have give are I was not asked whether I already had sufficient cover in place at the time the policy was sold to me,

which I did, also I never received any terms or cons for me to check.

 

I worked Part time ( 15 hours pw) from 1996 until 1997 then was made redundant then worked part time (16 pw) 1998 to 1999

and left work to have my 2nd child and become a full time mum which I am still doing.

 

Freemans have come back to me confirming that I did pay PPI from 1995 to 2005 at which date I cancelled, may I add I really don't remember getting it never mind cancelling it.

 

What reasons did you give to make you feel you was mis sold?

 

and did they ever send you any terms through the post?

[dx100uk]

how did you apply for the refund?

 

it looks like you used the 'scatter-gun' approach

 

listing several 'faults' with their process.

 

ideally thats never a good idea .

 

did you use the FOS CQ?

 

an HOW was the PPI attached, or how did you apply for the account in the first place?

 

dx

[pink1808]

Sorry is this reply for me or the OP?

[dosb123]

Hi Pink,

 

I explained my reasons as

 

1. I dont think I was ever asked if I wanted it, it was just added to my statements, so I stupidly thought it was a charge that I had to pay.

2. I was in and out of work due to having a baby etc and I never worked more than 16 hours a week the whole time I had PPI.

 

It seems so wrong that you hear about everyone reclaiming their PPI and adverts saying mis-sold PPI must be repaid,

but then you get a response from Freemans that basically says go away your getting nothing!

 

I am sure I never had terms through the post as if I had realised it was optional I would have cancelled it straight away.

[dosb123]

Duplicate, sorry

[dosb123]

Hi Dx,

 

I applied for the account by buying something from their catalogue. I think I did it on an order form in a magazine.

I did not see your post until after I had replied to Pinks post but I gave two reasons,

 

1. that I was not always in work and never worked more than 16 hours and

 

2. I was never asked if I actually wanted PPI.

 

Thx

[dx100uk]

did you use the FOS customer questionaire?

 

its prob not worth using the employment bit

 

but the fact that it was attached from your first catalogue order

 

without the choice of you wanting to opt for it or not is good enough reason

to refuse

 

they cant just turn around and say that

 

ask them to PROVE where you selected PPI with you first order

 

dx