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    • armybike
    • By armybike 28th Apr 17, 11:34 AM
    • 180Posts
    • 797Thanks
    armybike
    PPI on store cards? Quick, free and easy check via Santander
    • #1
    • 28th Apr 17, 11:34 AM
    PPI on store cards? Quick, free and easy check via Santander 28th Apr 17 at 11:34 AM
    If you had store cards from shops such as Debenhams, Toys R Us, Principles etc pre-2001, they may have had PPI included and you can confirm via one quick free phone call!

    All you need to do is call Santander's Complaints Department on 08001712171.

    Then press Options 1 > 1 > 1 > 1 > 3

    Listen to pre-recorded message re PPI questionnaire.

    Hold to be put through to advisor.

    Give your name and date of birth and they'll check to see if you had any store cards with PPI.

    You'll also need to confirm the address the card(s) would have been registered to.

    You'll be asked to confirm why you're complaining re PPI, for example if you didn't request it or weren't made aware it was included.

    If you have they'll complete the application there and then and a decision will be made within eight weeks if you are entitled to compensation.

    Plus, as it's via Santander you won't need to pay a third party company a percentage admin fee
Page 1
    • Nasqueron
    • By Nasqueron 28th Apr 17, 7:52 PM
    • 4,047 Posts
    • 2,335 Thanks
    Nasqueron
    • #2
    • 28th Apr 17, 7:52 PM
    • #2
    • 28th Apr 17, 7:52 PM
    It's certainly good to avoid third party CMCs who will take loads of any refund but it is worth reminding people that complaint reasons really need to be factual and evidence based. A claim you didn't request PPI is easily disproved - why didn't you complain about it after the first statement? Saying you weren't aware it was included is also easily disproved - you signed for it and it was on every statement.

    Use facts such as being unemployed / part time (under 16 hours) or having suitable work benefits that would help if you were unable to work for a period not speculative unprovable stuff
    • armybike
    • By armybike 26th Jun 17, 12:22 PM
    • 180 Posts
    • 797 Thanks
    armybike
    • #3
    • 26th Jun 17, 12:22 PM
    • #3
    • 26th Jun 17, 12:22 PM
    So, it's taken a few weeks to be processed but now in receipt of a settlement offer of just under £400.

    Well that's better than a kick up the bum!
    • surfer_chicky
    • By surfer_chicky 26th Jun 17, 2:27 PM
    • 40 Posts
    • 21 Thanks
    surfer_chicky
    • #4
    • 26th Jun 17, 2:27 PM
    • #4
    • 26th Jun 17, 2:27 PM
    On the phone now and had PPI on 2 cards Debenhams and Topshop, didnt even know i had it on them. Fingers crossed i get something back.

    Thanks for the heads up
    • armybike
    • By armybike 26th Jun 17, 10:22 PM
    • 180 Posts
    • 797 Thanks
    armybike
    • #5
    • 26th Jun 17, 10:22 PM
    • #5
    • 26th Jun 17, 10:22 PM
    On the phone now and had PPI on 2 cards Debenhams and Topshop, didnt even know i had it on them. Fingers crossed i get something back.

    Thanks for the heads up
    Originally posted by surfer_chicky
    Also got my fingers crossed for you
    • surfer_chicky
    • By surfer_chicky 26th Jun 17, 11:05 PM
    • 40 Posts
    • 21 Thanks
    surfer_chicky
    • #6
    • 26th Jun 17, 11:05 PM
    • #6
    • 26th Jun 17, 11:05 PM
    Also got my fingers crossed for you
    Originally posted by armybike
    Also kicked me up the butt, to go all out for Natwest today. I had PPI on a CC and a loan! also went for the Adv Gold account charges as never used them and only took as they threatened to take my OD away otherwise. Fingers crossed for a payday coming
    • Quintet
    • By Quintet 2nd Jul 17, 9:55 PM
    • 4 Posts
    • 1 Thanks
    Quintet
    • #7
    • 2nd Jul 17, 9:55 PM
    • #7
    • 2nd Jul 17, 9:55 PM
    I phoned the same Santander number and the lady in customer services stated she could see that I had insurance on a store card account and said she could fill in my complaint for me. Yesterday, I received a letter from Santander saying that my claim was being denied as they cannot find any insurance on the store card account! Errrrr.........how can that be??
    • zx81
    • By zx81 2nd Jul 17, 10:13 PM
    • 14,100 Posts
    • 14,786 Thanks
    zx81
    • #8
    • 2nd Jul 17, 10:13 PM
    • #8
    • 2nd Jul 17, 10:13 PM
    Errrrr....could be that it was set up but you didn't pay any premiums?
    • Quintet
    • By Quintet 3rd Jul 17, 12:22 PM
    • 4 Posts
    • 1 Thanks
    Quintet
    • #9
    • 3rd Jul 17, 12:22 PM
    • #9
    • 3rd Jul 17, 12:22 PM
    No, as the letter states they cannot find a policy at all, yet I had already been told by the Santander ppi helpline that a policy could be seen against a Laura Ashley card set up in 1991, which was under GE Capital at the time.

    The point I'm questioning is how one Santander employee can clearly see the policy, yet their Head of Historical Complaints and Fulfilment is strangely unable to locate it!?
    • Lozwhalley
    • By Lozwhalley 3rd Jul 17, 1:07 PM
    • 9 Posts
    • 3 Thanks
    Lozwhalley
    Santander rejection
    Just had a pseudo rejection from Santander regarding debenhams card ppi complaint they have asked for more info and proof of employment covered sick pay and proof of savings (I don't have proof it was my first job so don't have the contract anymore - 17 yrs ago) and my £6000 savings were cash. They have completely disregarded my primary reason for complaint that I was told I had to have it by an obviously commission hungry sales assistant at the till point and wouldn't let me progress with the application without ppi as I was 18??? No questions were asked regarding my circumstances/eligibility/cool off etc as is was a none issue - I apparently HAD to have it. Bit confused how that wasn't mis selling. Any advice guys? Loz
    • Mersey
    • By Mersey 7th Jul 17, 3:46 PM
    • 1,603 Posts
    • 774 Thanks
    Mersey
    You can ask then to reconsider (some rejection letters have been sent out in error due to the sheer backlog) or as with any final written response (if it was one), you have 6 months to refer the matter to the Ombudsman who might ask Santander to think again. You can do this via a form on the FOS site or call them.


    With all of these historic liabilities from the then Arcadia Group, Santander are paying most re store cards from Debenhams, Top Man and so on, but some have been paid by Genworth (the underwriter) after being rejected by Santander.
    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.
    • Kezza70
    • By Kezza70 7th Jul 17, 5:11 PM
    • 3 Posts
    • 1 Thanks
    Kezza70
    If you had store cards from shops such as Debenhams, Toys R Us, Principles etc pre-2001, they may have had PPI included and you can confirm via one quick free phone call!

    All you need to do is call Santander's Complaints Department on 08001712171.

    Then press Options 1 > 1 > 1 > 1 > 3

    Listen to pre-recorded message re PPI questionnaire.

    Hold to be put through to advisor.

    Give your name and date of birth and they'll check to see if you had any store cards with PPI.

    You'll also need to confirm the address the card(s) would have been registered to.

    You'll be asked to confirm why you're complaining re PPI, for example if you didn't request it or weren't made aware it was included.

    If you have they'll complete the application there and then and a decision will be made within eight weeks if you are entitled to compensation.

    Plus, as it's via Santander you won't need to pay a third party company a percentage admin fee
    Originally posted by armybike
    Wish I'd seen this post when searching as I went all round the houses. I had a New Look store card 10+ years ago and found a contact number on here for Santander as they owned the finance however, the first person I spoke to in Santander said they didn't and to contact Ikano back which I did and they told me it was Santander,face palm, anyway I phoned today and asked for the PPI dept, follow the steps above from post 1. Anyway she could see I had PPI on the New Look card which I didn't even know about as the card was sold to me in store but she also said I had PPI on a Curry's/Dixon card I forgot about, well what a result, didn't even know that had it on either just got it through the post and didn't think any more of it. So if any of you out there have an old Curry's/Dixon card phone the number above for Santander and start a complaint via the phone.
    • Lozwhalley
    • By Lozwhalley 7th Jul 17, 8:23 PM
    • 9 Posts
    • 3 Thanks
    Lozwhalley
    Thanks Mersey it was a letter asking for more information about my savings (unfortunately cash) and my employee sickness pay (didn't keep my contract for an old job at a business now folded) and on the letter it said they didn't 'believe' there was a claim but requested more info on the above to make sure. I wrote a letter and enclosed it within the additional info stating I was pretty much flabbergasted if not outraged that the primary reason - that I was lied to, had been ignored hopefully they'll have a look? I spoke to someone I. The dept and they agreed it was being pressured so fingers crossed I guess? Didn't include details of the call in my letter but I have the date/time/agent's name to quote if I have to. 👍🏻
    • Moneyineptitude
    • By Moneyineptitude 11th Jul 17, 10:53 AM
    • 18,734 Posts
    • 9,984 Thanks
    Moneyineptitude
    it was a letter asking for more information about my savings (unfortunately cash) and my employee sickness pay (didn't keep my contract for an old job at a business now folded) and on the letter it said they didn't 'believe' there was a claim but requested more info on the above to make sure.
    Originally posted by Lozwhalley
    If you don't respond providing the documentary information the bank have requested, I'm afraid the Bank is going to reject your complaint. The reason they are asking for this documentation is that they have already found no evidence to support your contention that you were "lied to" at the time of the sale.

    You really really haven't received a "pseudo" rejection, the Bank are simply giving you the chance to show them that you had no need of the insurance.

    Clearly, part of your complaint must have been that you had sufficient savings and employment benefits-but they are not going to just accept your word for that. Provide the proof and they will doubtless uphold.

    There is definitely no point referring to anything said by Bank call centre operatives about the validity of your concerns since it is not their job to consider PPI complaints. Telling the Bank that a named individual agreed that you were pressured will not further your cause in any way.

    Obviously cash savings can never be proven, but do you have nothing from your old employer pertaining to details of sickness benefits etc?

    Good luck.
    • edrushuk
    • By edrushuk 11th Jul 17, 12:47 PM
    • 248 Posts
    • 66 Thanks
    edrushuk
    Santander
    Apologies for the basic question, but I assume you will need to be a Santander customer to have access to this service?


    Thanks
    Susanna
    • Moneyineptitude
    • By Moneyineptitude 11th Jul 17, 10:20 PM
    • 18,734 Posts
    • 9,984 Thanks
    Moneyineptitude
    Anyone can ring the telephone number in post #1 of this thread, not just Santander customers..
    • so very confused
    • By so very confused 17th Jul 17, 11:39 AM
    • 930 Posts
    • 3,013 Thanks
    so very confused
    Well, I have just lodged a complaint.
    The grounds, although I was working I had recently retired through ill health and was in receipt of a pension which would cover my expenses. Also I had several pre existing conditions which would invalidate me from claiming. It was this reason when I had been off work ill for several months that I cancelled the PPI as I realised it was of no use to me.
    Hope it's good enough!
    Any further suggestions re my position would be helpful.
    Don't know if it is sufficient to succeed.
    SCP # 034
    The £1000 emergency fund #59
    • Moneyineptitude
    • By Moneyineptitude 17th Jul 17, 11:50 AM
    • 18,734 Posts
    • 9,984 Thanks
    Moneyineptitude
    Any further suggestions re my position would be helpful.
    Originally posted by so very confused
    Since you've already submitted your complaint, there is nothing you can do now but wait (around eight weeks) for the Bank to respond to it. If the Bank reject then you will then have the option of referring your concerns to the Ombudsman.
    • Lozwhalley
    • By Lozwhalley 2nd Aug 17, 6:35 PM
    • 9 Posts
    • 3 Thanks
    Lozwhalley
    Called them Today as the 8 weeks is up tomorrow and haven't heard anything since my letter I sent them regarding my frustration at the primary reason being ignored (being told I couldn't open the account unless I had PPI due to me being only 18) and despite my pessimism apparently a letter has been sent out today for me which includes my offer of settlement (the amount was read to me over the phone) and I'm really pleased thanks to the 17 years of interest paid! Best of luck to anyone else who thought they weren't getting anywhere �� It just shows that despite them saying initially there's no claim to answer unless I can prove sick pay and cash savings (I couldn't prove it and stated this in the extra information questionnaire they requested) it pays to persist regardless - again best of luck to everyone.
    • Mersey
    • By Mersey 22nd Aug 17, 12:09 AM
    • 1,603 Posts
    • 774 Thanks
    Mersey

    There is definitely no point referring to anything said by Bank call centre operatives about the validity of your concerns since it is not their job to consider PPI complaints. Telling the Bank that a named individual agreed that you were pressured will not further your cause in any way.
    Originally posted by Moneyineptitude


    That para is untrue.


    Indeed it's established that maladministration includes providing false information by employees to customers and I've seen several cases where such claims succeeded precisely because of that.
    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.
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