GE Money PPI from a variety of store cards

[OLIVE.FAMILY]

Morning All

 

My mum recently found a load of statements from Debenhams, Bhs, Dorothy Perkins and Evans store cards that she had a few years back.

 

All of which had Account Cover attached to them.

 

Until recently she didnt realise that in fact she didnt need it as her employer would of paid her for any illness/accident for at least 18 months on full pay.

 

So we started to reclaim.

 

In filling the forms we realised that it was GE Money that the complaints went to

 

She had all statements so we filled in the FOS questionaire and attached the spreadsheet with the maths and sent them off.

 

We have had two replies both from Santander for Bhs and Dorothy Perkins.

 

The both said get lost pretty much you wont be getting a penny from us.

 

This is the final response, case closed go to FLA ???

 

I done all my charges a few years ago and was pretty successful.

 

Since then however it seems to have changed quite a bit.

 

I am now at a loss as to what to do next.

 

Do I write to Santander ?

 

Do i contact FLA (not sure who they are in fact)? of do I go straight to FOS??

 

Any help will be greatly appreciated as I am at a total loss and I reckon mum will be getting a few more of these letters this week.

 

Thans

Olives xx

[citizenB]

If you have had a final response from the companies, then go to the Financial Ombudsman.

[OLIVE.FAMILY]

Excellent thankyou. Do I send the same form to them then or fill in something different

 

Just out of curiosity what are the FLA supposed to be doing. This is the first I have heard of them. Just been reading there website and I am a bit miffed as to there actual roll as they say they cannot award compensation or make a decision so what would the point of me going to them be. Or i am I being dim and missing something obvious x

[dx100uk]

can you post up one of the fob off letters please

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[citizenB]

The FLA are another regulatory body, I think for those companies who were not signed up to the FOS. I have to be honest, I dont quite understand their role or whether you do need to contact them. Others will advise you on that.

[citizenB]

You would use the FOS form which I think you already completed - just send a copy of that to the FOS or if you have more information you wish to add, complete a new form

[OLIVE.FAMILY]

can you post up one of the fob off letters please

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

 

 

Ok will give it a bash

[OLIVE.FAMILY]

You would use the FOS form which I think you already completed - just send a copy of that to the FOS or if you have more information you wish to add, complete a new form

 

Brilliant , will do x

[dx100uk]

let have a look at what is going on in the letter tennis first

then well formulate the next move.

 

dx

[OLIVE.FAMILY]

Hopefully I have done this correctly. Here is one of the letters sent. Its for the Dorothy Perkins Store Card but both of the letters are exactly the same in the response

 

Olives x

[dx100uk]

pdf them

 

dx

[OLIVE.FAMILY]

How about this ??

[dx100uk]

they should not be merely fobbing customers off with excuses and 'speculative' replies

that 'our processes were fool proof'

 

you had every opo to cancel it .etc etc

 

i take it this was a seller at a till/booth or something that buttonholed you?

 

dx

[OLIVE.FAMILY]

they should not be merely fobbing customers off with excuses and 'speculative' replies

that 'our processes were fool proof'

 

you had every opo to cancel it .etc etc

 

i take it this was a seller at a till/booth or something that buttonholed you?

 

dx

 

Yes that exactly it, seller at a till. Mum felt pressured and rushed bless her. She worked for the local Council at the time so the sickness package was fantastic. So what if she could of still apparently claimed the thing was she didn't need to.

 

So whats next then do you reckon. Shall I write to them or go to the ombudsman. Do you reckon in YHO it will be upheld as reading other posts they do have a habit GE Money of sending people round in circles

 

olives xx

[dx100uk]

they cant comment nor PROVE that their staff did not tick the box

 

did you state these facts in your FOS CQ or complaint letter?

 

dx

[OLIVE.FAMILY]

Yes D,

told them that mum felt pressured into buying as the till assistant was impatient. We stated that we felt that the assistant didnt know what she was in fact selling as no questions were asked about mums sickness entitlement at the time. A simple question of What benefit would you have received would have made mum realise that this would of been useless. Basicly the assistant wanted to complete the sale as quickly as possible

 

olives xx

[Ell-enn]

Hello Olive Family - long time no see

[OLIVE.FAMILY]

Hello Ell-en,

Wow yes it has been a long time. Been very very busy starting my own business

Was actually thinking about you earlier as I was gonna pop on over to the mortgage department to start a new thread. I am actually going for compensation for mis selling of my mortgage . Was going to start a thread of my journey towards it so that people can follow it and hopefully if I win it will inspire others too xx

[dx100uk]

Yes D,

told them that mum felt pressured into buying as the till assistant was impatient. We stated that we felt that the assistant didnt know what she was in fact selling as no questions were asked about mums sickness entitlement at the time. A simple question of What benefit would you have received would have made mum realise that this would of been useless. Basicly the assistant wanted to complete the sale as quickly as possible

 

olives xx

 

no the assistant wanted to get on to the next MUG !!

 

she got a healthy COMMISSION out of your mum by selling that insurance

THATS WHY she never told you IT WAS NOT COMPULSORY

fleeced!!

 

 

dx

[OLIVE.FAMILY]

Hi all

Been busy with work so had to take a back seat with this for few days, back on it again now though and there has been a few developments

 

GE Money/ Sanatnder owned in total 4 store cards of my mums. Dorothy Perkins, Debenhams, Evans and BHS. All four claims are pretty much the same. Mis sold as mum already had cover so it was not needed. Santander have now replied to all four. Three have come back with "we are not guilty of mis selling so clear off end of story" and oddly one has come back and admitted they were wrong and refunded in full. So quite how that worked I don't know.

 

She has also had a "clear off" reply from Argos Card PPI.

 

So it looks like its off to the ombudsman unless anybody else has any ideas

 

Olives xx

[dx100uk]

dont give up on the first fob -off letter

 

post them up

 

lets pick them apart

 

dx

 

 

dx

[OLIVE.FAMILY]

Hi D

 

The Santander replies are posted earlier on. All three are exactly the same. I will post Argos reply on in a little bit

 

olives xx