PPI Reclaiming discussion Part III

chipbeck

Debenhams storecard with GE money.

di3004

chipbeck wrote: »

Debenhams storecard with GE money.

So it was Debenhams finance department who sold this store card I take it?

Now I believe its whoever arranged the store card like anything else loans, credit cards etc, is the ones to complain to, I am sure Marshallka will be able to confirm this to you hun.;)
See in my opinion then it is Debenhams to complain to, within their finance department and not GE money, but just to make sure see what Marshallka or others have to say here and good luck, there may be other ways around this, hopefully.;)

Di
x

chipbeck

di3004 wrote: »

So it was Debenhams finance department who sold this store card I take it?

Now I believe its whoever arranged the store card like anything else loans, credit cards etc, is the ones to complain to, I am sure Marshallka will be able to confirm this to you hun.;)
See in my opinion then it is Debenhams to complain to, within their finance department and not GE money, but just to make sure see what Marshallka or others have to say here and good luck, there may be other ways around this, hopefully.;)

Di
x

Never even contemplated taking it up with Debenhams would assume they would just redirect you to GE.

marshallka

chipbeck wrote: »

Never even contemplated taking it up with Debenhams would assume they would just redirect you to GE.

They say you can make your complaint to whoever sold the actual PPI to you and if that was Debenhams then you could pursue them for this. Even if they do redirect you then you say that you will have to get in touch with the FSA about it. You ALWAYS go to the seller of the PPI.

Its like if you use a broker for a loan you have to pursue the broker that sold the PPI and not the lender.

di3004

There we are Chipbeck, try Debenhams,as Marshallka says, they may try passing the buck but make it clear in your letter its them who arranged this and no-one else, GE is just the bank.;)

Need to pop out back later.
Di

marshallka

Have a look at the link here about GE Capital

http://www.thisismoney.co.uk/campaigns/loansinsu/article.html?in_article_id=416958&in_page_id=506

chipbeck

marshallka wrote: »

They say you can make your complaint to whoever sold the actual PPI to you and if that was Debenhams then you could pursue them for this. Even if they do redirect you then you say that you will have to get in touch with the FSA about it. You ALWAYS go to the seller of the PPI.

Its like if you use a broker for a loan you have to pursue the broker that sold the PPI and not the lender.

I agree with you in principle marshalka but the fact is that the original CCA clearly shows the no box ticked. So as far as Deb's is concerned we didn't want PPI. It's GE who have added PPI in 2001 because of a supposed phone call.

marshallka

di3004 wrote: »

There we are Chipbeck, try Debenhams,as Marshallka says, they may try passing the buck but make it clear in your letter its them who arranged this and no-one else, GE is just the bank.;)

Need to pop out back later.
Di

I was lead to believe that its always who actually sold the PPi otherwise if this rule if where someone in a store was given PPI by the store BUT they sold it on behalf of the bank (like Debenhams etc do!!) then if you pursue the Bank (ie GE) then why can't we pursue the lenders!!! (IF our brokers are not authorised!!)

marshallka

chipbeck wrote: »

I agree with you in principle marshalka but the fact is that the original CCA clearly shows the no box ticked. So as far as Deb's is concerned we didn't want PPI. It's GE who have added PPI in 2001 because of a supposed phone call.

Have you requested proof of this "Supposed phone call from them".??

You can request a SAR from them...but if its over 6 years ago then they maybe would not have the details.

chipbeck

marshallka wrote: »

Have you requested proof of this "Supposed phone call from them".??

You can request a SAR from them...but if its over 6 years ago then they maybe would not have the details.

Got my sar ages ago and sent all the info off to the FOS. No joy. They have no records of the phone call they have no records of the phonecall taking place. Just a noyte saying insurance taken out in 2001.