Help/advice regarding Shop Direct (Littlewoods) PPI reply

[topoftherock]

Hi guys, I’m hoping you can help me again.

 

Here is the info:

ShopDirect (Littlewoods) response to my complaint/enquiry:

“Thank you for contacting us about the concerns that you Have with the sale of your PPI policy.

According to our records, there is no evidence that PPI has ever been applied.

 

Please find enclosed a selection of statements from different trading periods in your account history.

The statements  provided to evidence that no PPI has ever been applied to your account are in different formats due to system migration/and or the statement archiving process.

 

If PPI had been applied to the account this would show as a 111G/111 adjustment or the name of the PPI product. 

 

If you dispute our findings please contact us highlighting any evidence to the contrary, quoting the reference number at the top of this letter.

 

As our records indicate that you have not held a PPI product with us, we are unable to consider your concerns as a complaint”                      

 

Ok, so here are my points I want to discuss:          

1) the information they provided is pretty vague/unintelligible to be honest.

It’s just a few screenshots of the Littlewoods account in different accounting periods.

 

It shows transactions that were made for three different accounting periods I.e July 1999, December 2002 and July 2006.

It also shows credit limits, commission information/comm. paid last tax year, arrears, sched paid, min paid, balance b/f and cf etc.

 

I don’t believe this information is relevant to my original request I.e copy of the original agreement with Littlewoods.

As I understand, when an organisation sends you SAR information , it should be presented in a way that is easy for the customer to understand.

 

I have worked in accounts/finance before, but the information doesn’t really mean too much unless you work in the organisation yourself.

So I’m obviously going to write back, as I’m not happy with what they have provided.

I mean, how do I know that 111G/111 means that  PPI was included?

 

What do you think I should say in the reply?

P.S this was my mother’s account and she was constantly using this account, spending £1000s over many years, so I really believe there’s a good chance she paid PPI.

Kind regards

[dx100uk]

PPI on shop direct accounts for that period was very rare

[topoftherock]

Hi dx, thanks for the info!  So what period was PPI more common for Littlewoods  then? According to the info received, it seems the account started in 1999 (it says “statement 1”) and ended some time in the mid/late 2000s (the latest statement  they show is 2006 I.e “statement 92”, but I’m pretty sure my mother had it for a some years after this date). Kind regards 

[dx100uk]

rarely seen PPI added later on an existing account too.

[topoftherock]

Hi dx, ah ok I see. Thanks again for the advice. 

[topoftherock]

Hi guys, does anyone know who was/were the underwriter(s) for Littlewoods/Shop Direct from 1999 to 2006? I understand that Aviva is the current underwriter, but not sure if they were before. Any help would be greatly appreciated. Kind regards

[topoftherock]

Hi guys,

I’ve got my mother’s Littlewoods statements  (archive statements) via a SAR 

 

I can see there is a line called “BNPL ABC BAL” which is Buy Now Pay Later Agents Balance Care Balance

 

I.e

BNPL= Buy Now Pay Later.

ABC=Agents Balance Care BAL=Balance.

 

I’ve looked on some posts on this website and other sites, and it seems that “Agents Balance Care” was a kind of PPI.

 

In my mother’s case, is BNPL ABC BAL a form of PPI?

 

It varied each month from a few hundred, to £50 odd and then sometimes zero.

 

Any help/advice  would  be greatly appreciated

 

. Kind regards 

[dx100uk]

I don't agree with what's posted on another certain consumer website...

knock up a statint spreadsheet and FOS CQ for it and put in a claim when the time comes.

 

 

[topoftherock]

Hi Dx, I don’t understand what you mean above. Please can you explain it without the acronyms and in simplified/clearer terms? Kind regards 

[dx100uk]

read like threads?

part of cag is self help 

 

also if you happen to look below

what do to and where to get the required info is in my sig below

 

 

 

look down

 

[topoftherock]

Thank you