PPI House of Fraser Store Card

chatterbox8383

Hi,

I am really hoping sombody can help me. Hopefully in a way that is straight forward and easy to follow. I had a House of Fraser store card that I am trying to claim back. I was going to post on here the letter I sent, the original agreement and their reply (they rejected the claim) but I am unable to add attachments to this.

Can someone please help?

Thanks

Chatterbox8383

mynameistallulah

Why do you believe the product was missold?

chatterbox8383

Hi,

On the letter I sent to Santander (who are now handling House of Fraser store cards). I stated that I believed the PPI had been missold because of the following 2 reasons:
• I was employed at the time but your staff did not inform me that any change to this could invalidate sections of the policy during its life. I was not asked about any intended charges or informed or warned of their effects on the policy.

• Your staff did not offer me a clear choice of the loan with and the loan without insurance

When I think back to the time I signed the agreement, it was recommended that I took out the PPI, the member of staff did not fully exlain what it was about or explain that I could have opted out, in other words it was not a requirement that I signed up for PPI. They just very much pushed that I take out the store card and start spending in store, PPI wasn't really expanded upon in the agreement.

I used a template letter from the Daily Telegraph and am now wishing I had come here first. Some of the reasons, jargon on the template was very confusing. Even if people replying to this thread say, "No, you cannot claim it back", then thats okay but I don't want to think that I fell at the first hurdle because I did something wrong within my initial letter.

Many Thanks

Ashley