Topshop store card ppi?

wjo

Hi wondering if I had any insurance on a store card I took out when I was 18yrs ( now 30)
I don't have any details other than my previous address not the account number.
Can anyone advise where I go from here. Many thanks

di3004

Hi and welcome
I take it you no longer hold any statements for this account then?

When/what year did you settle the account?

You can give it a go with the details of your name, address, DOB etc, remember to include any other addresses you may have lived in at the time you had the account open.

Another thing you could try, is give them a quick ring and ask, you never know you may be lucky.
Good luck.

Littlemadam83

Hi there,

I too am approaching 30 and took out a store card under the Arcadia group when I was about 18. It's not showing on my credit file and am about to embark on locating the details from them.

I'll keep you updated and if you find anything let us know! What I have googled it's not easy now with these guys as GE Capital transferred over to Santander.

Fingers crossed!

x

wjo

Thanks for your replies. I don't have any details or the account number. I have written a letter now with my details name previous addresses etc also called topshop direct but they advised to write. When I took out the card ( think it was Arcadia group) now its owned by santander do I write to both companies?
I have read on the net iit's very hard to get any details from them.
Any advice on where to go next? Thans

[Deleted User]

As your cards were taken out prior to 2005 when GE Capital were not regulated, any complaint is doomed to failure I'm afraid.

wjo

Hi there can you explain why? Sorry I may seem stupid. Thanks

[Deleted User]

wjo wrote: »

Hi there can you explain why? Sorry I may seem stupid. Thanks

As they were not regulated they will not be held accountable for possible mis-selling. You also have no access to the Financial Ombudsman (FOS) for the same reason.


Did you actually have any valid and verifiable complaint reasons?

roonaldo

wjo wrote: »

Hi there can you explain why? Sorry I may seem stupid. Thanks

Its before regulation and they did not subscribe to GISC, you have no recourse to the FOS because of this so complaints are usually dismissed.

[Deleted User]

roonaldo wrote: »

they did not subscribe to GISC

General Insurance Standards Council (I think!) , the forerunner of the current Financial Ombudsman.

wjo

Ok thanks for your help.

[Deleted User]

Please don't duplicate your posts