Old store card PPI, worth trying?

ev8
ev8 Posts: 268 Forumite
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in Reclaim PPI & other insurance
Hi there.

I know I was sold PPI on a store card, around 2004 I believe.

It was a Dorothy Perkins card, I still have it and the same account number etc.

I remember having it sold to me and a few years later I cancelled it as I wasn't using it (to reclaim for sale items for instance) and didn't see the point of it.

I think I was mis-sold as I do have a medical condition.

Is it worth trying to claim even now?

Thanks for any advice, this whole thing confuses me, so sorry if I ask something silly.
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Comments

  • Nasqueron
    Nasqueron Posts: 8,809 Forumite
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    You can try, have to start with the shop then Santander and possibly Genworth (underwriters) - it is pre-regulation and they could time bar it due to the fact you cancelled but you never know until you try
  • ev8
    ev8 Posts: 268 Forumite
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    Thanks.

    So start with the actual store?

    I know it's now taken over by New Day, do I contact them or only Santander?
  • Nasqueron
    Nasqueron Posts: 8,809 Forumite
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    ev8 wrote: »
    Thanks.

    So start with the actual store?

    I know it's now taken over by New Day, do I contact them or only Santander?

    The SALE is the issue, so you start with the store, they will reject it, then you try Santander
  • ev8
    ev8 Posts: 268 Forumite
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    Nasqueron wrote: »
    The SALE is the issue, so you start with the store, they will reject it, then you try Santander

    Okay. Thanks.

    I'm sorry if I seem dim, I have cognitive issues where things just don't stick in my head anymore (very frustrating for me as I was always completely the opposite!).

    So contact the store (not the store card?).

    If they are to reject it, why not start at Santander?
  • Mersey_2
    Mersey_2 Posts: 1,679 Forumite
    Santander > FOS (Ombudsman) > Genworth (underwriter) is currently the successful route for those who had store cards from the then Arcadia Group of stores (DP, Debenhams, Burton, TopShop, etc)


    The Santander PPI team are very helpful, so there should be no need to contact the rest.
    Please be polite to OPs and remember this is a site for Claimants and Appellants to seek redress against their bank, ex-boss or retailer. If they wanted morality or the view of the IoD or Bank they'd ask them.
  • ev8
    ev8 Posts: 268 Forumite
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    Oh thanks Mersey, so I'll see about contacting them first of all, hopefully they are helpful.

    Thanks so much.
  • DigForVictory
    DigForVictory Posts: 11,906 Forumite
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    For about 3 stamps, it's actually pretty straightforward & can be startlingly rewarding.
    Not always, but certainly worth the try.
  • -taff
    -taff Posts: 14,495 Forumite
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    ev8 wrote: »
    I remember having it sold to me and a few years later I cancelled it as I wasn't using it (to reclaim for sale items for instance) and didn't see the point of it..


    If you weren't using it, you weren't paying any PPI
    Shampoo? No thanks, I'll have real poo...
  • AlisonJCS
    AlisonJCS Posts: 6 Forumite
    I have just had success with reclaimining my PPI. I contacted Santander via telephone. Try 0800 171 2171. They are very helpful on the helpdesk. They sent me a form which I completed and returned, and they took approx 12 weeks to investigate and offer me a settlement.
    Good luck
  • ev8
    ev8 Posts: 268 Forumite
    First Anniversary First Post Combo Breaker
    -taff wrote: »
    If you weren't using it, you weren't paying any PPI

    I was using the card, I didn't cancel that, it was the PPI I was paying I cancelled as I never used it for refunds on sale items etc.
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