Dorothy Perkins rejection

robbieswife2b

Hi
I have just received a letter from santander re my DP card and I have signed for PPI subject to eligibility. I can remember being told I needed it (maybe not forced to take it) but pressure on me it was the best for me. However as I work and did for the NHS (full time) i receive pretty good sick pay and redundancy pay so really it wasn't suitable. The reasons for rejection are they has a process in place to make sure it was not compulsory and aplocy summarywill have been sent to me and I had 30 days to cancel it. They have also said it was clearly detailed in my statement.

Really even if it was optional and I was 'persuaded' to take it if I had had it explianed to me I would have said it wasn't the right product for me in terms of cover.

Do I accept this and blame the naivety of youth or should I try to contest it? If so has anyone had any luck with this.

Asalways any help much appreciated

magpiecottage

When did you take it out?

robbieswife2b

Thanks - took it out in 2001, I had just bought my first home and had been with the nhs for 2 years.

LynK_3

I had PPI with a DP card from 1991-2003. My missale claim was also rejected by santander, it is currently with the FOS pursuing the underwriter. I was in my early 20's and while young and prob naive I actually remember taking out the card. I was approached in store by a sales lady (I actually remember her name), and she filled in all my details, she told me the insurance (pretty sure she didn't call it PPI) was an essential but trivial part of the application process. I completely took this at face value, I did try to cancel it on at least 3 occassions in store over the years but each time was given very much the hard sell, and it really was implied that my account could be closed without it.
On reflection this makes my blood boil, as I in effect paid for something completely of no use to me for 12 years, as I was in a fairly good job in the local press with good sick pay, job security etc.
Very coincidentially I happen to be at a hospice fundraiser a few weeks ago and low and behold the lady who sold me the store card and the policy was sitting with a friend of a friend in my company. Of course after a few beverages I happened to mention to her, about the sale of store cards and the insurance (ppi) policy attached, she said it was pretty much drilled into them that they couldn't put through the applications without the insurance and they actually got enhanced benefits from each sale, she said she had absolutely no training in the sale of financial products and to be truthfull didn't have a clue what she was selling. Now in no way do I blame her personally, but to say it makes me very angry that I was in effect, forced to take a product, which really I didn't know I could decline, would be an understatement.
I don't really know what chance I, or I'm sure many others have with the underwriter, but I guess all we can do is try.

roonaldo

robbieswife2b wrote: »

However as I work and did for the NHS (full time) i receive pretty good sick pay and redundancy pay so really it wasn't suitable.

its sound like a pretty crap sale, but this point is not relevent in your case as you would have not been given advice (they dont have to check suitability in non advised sales), just provide information only.

src007

robbieswife2b wrote: »

I remember being told I needed it but pressure on me it was the best for me.

Like roonaldo says the insurance industry would probably class this as a ''non-advised sale''.

What this mean is that they can pressure you into taking the insurance and then if you complain they can say ''its your own fault for buying our really poor product that we designed purely to make us lots of money'' because ''we only gave you information'' and ''you should have known better.''

Unfortunately, if the sale was pre-2005, consumer protection wasn't in place and so its unlikely that you'll get a refund, as you won't be able to take the complaint to the Financial Ombudsman Service.