Burton Santander Store Card PPI

[dx100uk]

I disagree with your decisions.

 

 

on the copy of my agreement

 

 

the sales rep CLEARLY marked box 2 & 6 with an 'x'

stating 'sign by the two 'x's I have marked.

 

 

that I did.

 

 

HE advised ME where to sign to gain the PPI selling commission.

 

 

it is totally immaterial that later, in many forms,

notification that I had PPI was to be found in statements or policies etc etc.

 

 

as for my self employed status

I was not a company owner or employing staff

but merely working for someone else in a self employed status.

 

 

thus I would not have been able to close anything.

I still believe this make the PPI 'void' and worthless under your self employment criteria

 

 

something like:

 

 

I was not made aware that the Payment Protection Insurance was optional.

 

Let me clarify:

I had no idea PPI was included in the amount I was paying, the process as I thought was signing the Card documents and this was something I had to pay for the card.

If I was informed that it was optional I would have opted out.

[Bert1956]

Can you advise me as to what I do next, do I send the contents above as a letter back to santander? or do I contact fos?

[maroondevo52]

You can only go to the FOS after you have had a final answer from Santander.

[Bert1956]

The letter that I have received from them has stated that they will not be upholding my complaint and will not be making any offer of compensation.

[dx100uk]

but it also says 'contact us with any additional info'

 

 

the Op was not an employer nor owned a business

 

 

so the PPI was worthless

 

 

the fact that the rep 'x' where to sign IS advise

[maroondevo52]

I'd send dx's letter back to Santander, they will then give you a 'final' decision.

[mightymouse_69]

but it also says 'contact us with any additional info'

 

 

the Op was not an employer nor owned a business

 

 

so the PPI was worthless

 

 

the fact that the rep 'x' where to sign IS advise

 

How on earth does an 'x' make for an advised sale?!

 

The "I was told to sign it!" argument is a non starter. Best avenue is self employment - OP should just try and get something together... accounts, tax documents... anything.

 

Referral to the FLA doesn't bode well (pre 2005 sale).

[Bert1956]

I'd send dx's letter back to Santander, they will then give you a 'final' decision.

 

Thanks will do.

[Bert1956]

Hi had a letter back from Santander saying they previously investigated the matter in full and a final response was issued, they also say their position remains unchanged and they have closed this file on their records.

Can you please tell me where I go from here.

thanks

 

Hi had a letter back from Santander saying they previously investigated the matter in full and a final response was issued, they also say their position remains unchanged and they have closed this file on their records.

Can someone please tell me where I go from here.

thanks

[maroondevo52]

Can someone please tell me where I go from here.

thanks

 

Complain to the Financial Ombudsman, fill in the consumer questionnaire..................

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

[Baz1994]

Complain to the Financial Ombudsman, fill in the consumer questionnaire..................

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

Can you still complain to FOS even yhough it was regulated by FLA ?

 

It's just that my OH has a similar situation with a store card complaint pre 2005.

 

Thanks