Help needed after Santander rejection

[teac532s]

Hi all.

 

Hoping someone can advise me on what to do for a friend who has had her claim rejected from Santander.

 

 

I know the claim goes back a while ,

store card was taken out in 2000 and closed in 2004,

and the agreement paperwork is clearly signed by my friend in the ppi section.

But my friend explained that at the time in store of selling it was just sign here here and here.

 

 

Nothing was explained to her at the time and subsequently when she tried to reclaim ppi she got the final response letter

stating they had no evidence of miss selling so could not refund.

 

Now at the time of getting the store card with the attched ppi she was unemployed , pregnant and on crutches

so in my view the fact that she was unemployed means she should never had been sold ppi in the first place.

 

 

Would I be correct in this as I am wanting to help her try to fight this case.

She did hand it over to a claims company but they could do nothing as she had started the claim herself.

Should I try agian and if so what would my best first approach be.

 

Thanks all

[SabreSheep]

Ensure she fills out the FOS ppi questionnaire and complain to the FOS if the final responce has been given

[teac532s]

Hi Sabresheep. Thanks for he reply but when she tried to reclaim she didnt mention to them she was unemployed. Surely this would be enough to try agian before going the fos route

[dx100uk]

sales assistants' button-holing people at the checkout

and ticking boxes was a very good ruse too make them commission on each sale to their wage packet.

 

 

prove it was not ticked by the card holder and you were away.

 

 

there are numerous successes even on the FOS website with examples of such.

 

 

the unemployed aspect should be secondary

[teac532s]

Thanks dx but the problem there is she did sign in the ppi box although she remembers it was sign here here and here with no explanation. hence them saying no evidence since she signed although the tick box for agreeing that terms and conditions had been read to her is unticked. yes she took the card out at a store and was under pressure at the time.

[dx100uk]

the sales rep placing marks here here and here to sign by

is a very good example and has had many successes.

 

 

the T&C were very obv not explained to her

as if they were

it would have become rather evident that

being unemployed and already on crutches

the PPI in plain B&W at the time - was of no use to her whatsoever!

[teac532s]

Thanks again dx. So I guess my first salvo should be a letter asking them to re examine the case highlighting the fact that her being unemployed at the time would make ppi uselees to her and also highlighting the terms and cons not being read , to see what their reply would be.

[dx100uk]

do they say the t&cs were outlined to her?

if so then the PPI was evidently utterly useless....

 

 

though I can see you hitting the 'unadvised sale' wall here.

[teac532s]

dx on the credit agreement there is a check box for I confirm etc but ut also states" I have read and understood the terms and conditions" among other things. The check box has not been ticked in this agreement so she does not remember being asked to read them.

[theoldrouge]

do you have a copy of the agreement and the ppi t&cs, if so post them up minus personal details please

[teac532s]

I have a copy of the agreement. She is trying to find the t&c. I will post the agreement minus details

[Hortz]

Hi all.

 

Hoping someone can advise me on what to do for a friend who has had her claim rejected from Santander.

 

 

I know the claim goes back a while ,

store card was taken out in 2000 and closed in 2004,

and the agreement paperwork is clearly signed by my friend in the ppi section.

But my friend explained that at the time in store of selling it was just sign here here and here.

 

 

Nothing was explained to her at the time and subsequently when she tried to reclaim ppi she got the final response letter

stating they had no evidence of miss selling so could not refund.

 

Now at the time of getting the store card with the attched ppi she was unemployed , pregnant and on crutches

so in my view the fact that she was unemployed means she should never had been sold ppi in the first place.

 

 

Would I be correct in this as I am wanting to help her try to fight this case.

She did hand it over to a claims company but they could do nothing as she had started the claim herself.

Should I try agian and if so what would my best first approach be.

 

Thanks all

 

No benefit in involving a claims company. They could take up her case and fight it if they wanted. However, they won't as they only want easy wins, not cases they will have to fight hard.

 

Has she told them she was unemployed? If this was the case then she almost certainly would not have been eligible for the cover. However, the provider would be within their rights to ask for evidence of this, otherwise anyone could make any claim they like about their employment status.

[teac532s]

Hi Hortz. Yes she was on income support at the time so can prove it if needs be. She tells me that she already told them in her first attempt that she was unemployed but still got the final response letter anyway.

[Hortz]

Hi Hortz. Yes she was on income support at the time so can prove it if needs be. She tells me that she already told them in her first attempt that she was unemployed but still got the final response letter anyway.

 

Have they addressed this matter in their response?

 

I would go back once reiterating that she was unemployed and hence ineligible for the cover, enclose a copy of the evidence. Give it a month and if no satisfactory response commence a case with FOS.