Jump to content

 

BankFodder BankFodder


teac532s

Help needed after Santander rejection

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1629 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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

Share this post


Link to post
Share on other sites

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


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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!


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites
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.

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites
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.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...