Next directory says no!

lou42

I wrote an email to next directory to say that I'd been paying PPI charges for over 20 years and hadn't wanted this insureance they said I could have opted out of this in 1993 but didn't so basically tough luck. Is my case over before it's begun?

Nuttygooner

According to the "This Is Money" website:

"If you have noticed you are paying for PPI that you didn't know you had there is a chance that it was added without your knowledge, or through an 'opt out' box that you missed. It will be up to the seller to prove you agreed to the insurance, so if you can't remember being asked, you can claim."

In other words, you need to have willingly opted IN for the insurance, not opt out of something you didn't realise you had.

magpiecottage

Whilst Nuttygooner is correct in what he says, there are two problems for you. The first is that it is that it would have appeared on your statement each month. Next can therefore simply say that you should have raised your complaint within six years the event giving rise to the complaint (which would have expired in 1999) or, if later, within three years of when you first ought to have become aware that you had grounds for complaint (which would have been in 1993 leading to an expiry date in 1996).

The second is that it is almost certain that Next did not subscribe to any code in 1993 which would make a complaint of this nature now fall under FOS jurisdiction. That in turn means Next can use Section 14B of the Limitation Act 1980 to stop your complaint as it relates to an event that occurred more than 15 years ago.

Nuttygooner

magpiecottage wrote: »

Whilst Nuttygooner is correct in what he says, there are two problems for you...

He? HE?!?! :mad:

magpiecottage

Nuttygooner wrote: »

He? HE?!?! :mad:

Sorry didn't think a "she" would support Arsenal!