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Debenhams PPI Claim from 1989 anyone had one this old ?


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Hello Sorry this is a bit long

- my claims have been from the 90's so am unsure about this;

I am helping a friend with a debenhams ppi claim;

we went through all the statements she had and did the spreadsheet and filled in the PPI Consumer Questionnaire;

we made one error in stating that she was self employed at the time of sale

but she thought she had opened the account in the late 90's when she was.

We got the standard go away letter which stated that the account had been opened in 1989

and it states that the reasons for the decision are as follows;

 

The card and associated PPI cover provided by GE Money was opened in store in March 1989.

The purchase of the PPI was on a non advised basis with sufficient information provided

at the point of sale or soon afterwards to allow you to make an informed choice

whether to add ppi to your account.

No advice or recommendations regarding the suitability or otherwise of the insurance.

This document had an optional separate place to request if you wanted to add PPI to your account.

Unfortunately due to the time elapsed I am unable to send you a legible copy of the Credit Agreement.

(see below about copy Credit agreement)

 

Documentation confirming the PPI policy would have been sent in the post to you

and this provided full details of the insurance including eligibility, exclusons,

and limitations on the level of cover and it also indicated that the PPI policy

could be cancelled within the first 30 days with a full refund of any premiums paid

if it was decided that the insurance was unsuitable (providing that no claim had been made).

The insurance was upgraded to account cover in 1998 and 2003 and new T & C would have been sent to you.

There is then a section about the self employment which mentions that it was ascertained in a phone call that she was not self employed at the time - need to check this with her.

 

it then carries on to say that she said that she was not asked about any alternative methods of repayment

and says that as it was a non advised sale and as such they would not have sought information

about alternative cover and that she chose the insurance and did not cancel at an early stage

indicationg that the policy was suitable for her.

She cancelled the insurance in 2012.

 

it then says that the evidence available to him indicates that she was made aware of the

main T & C including any exclusions and limitations that would have applied.

She was also provided with sufficient information upon which to make an informed choice.

 

He then refers her to the FLA but does not state final response

and very kindly gives his name and phone number to discuss this further.

 

We then sent a SAR to them:

which included a copy of the Application form / credit agreement and there isn't a box to tick

- there is a section that is titled Optional Insurance and Indemnity

and in much smaller writing Payment Protection Plan you will receive this cover free for 28 days

- full details will be sent with your new card.

The SAR is rather sparse

- it only includes statement info from 2005 and has no copies of correspondence about the upgrading of the account.

We did the PPI SAR so would have expected more.

Thanks

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you'll never get anything out of GE money

 

they'll wriggle & wriggle and wriggle.

 

most of that letter is MERE SPECULATION..

 

see http://www.consumeractiongroup.co.uk/forum/showthread.php?378821-LloydsTSB-Loan-PPi&p=4120422&highlight=ppi+success#post4120422

 

for ways around it.

 

as for the fact that there appears no PPI box on the agreement......

 

then how they hell could you have opted out.

 

I bet the shop seller filled it all in

and said 'x' sign here here and here.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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