Santander ppi rejection because claim is time barred

ThreeYearsAndCounting

Just (last week) had settlement from Santander (Abbey) for a loan taken out in 2004 (£2716). Keep on trying!

dunstonh

ThreeYearsAndCounting wrote: »

Just (last week) had settlement from Santander (Abbey) for a loan taken out in 2004 (£2716). Keep on trying!

Was that because you were not part of a timebar or did you successfully get a time bar overruled?

[Deleted User]

ThreeYearsAndCounting wrote: »

Just (last week) had settlement from Santander (Abbey) for a loan taken out in 2004 (£2716).

Since both you and your friend are bankrupts you are both excluded from receiving PPI redress personally as it is regarded as a pre-bankruptcy asset. Expect to be asked for any money you fraudulently received. This money should have gone to the Official Receiver for redistribution to your former creditors.

PinkyReed

I've had exactly the same problem with Santander, re: reclaiming PPI from an Alliance & Leicester loan from Oct 2005, paid off in Oct 2010.

They claim they sent me two letters, to which I did not respond. This is utter bull! I have lived here for 18 years and I have never received a single piece of correspondence from Santander (or indeed A&L) about reclaiming PPI.

I think if Santander had written to me, to tell me that they had mis-sold £6,000 of PPI to me (as I was self-employed and it would not have covered me in the first place) and asking if I would like a refund - did they not think that I would have replied in a shot?! Who in their right mind would ignore a letter like that?

They're lying.

Yes, they provided a blank template of the supposed letters they sent to me, too - no name on, no date, just blank templates. This is NOT proof!

Interestingly, their covering letter states that they sent the initial 'would you like a refund' letter to me on 'March 30th 2013' and that 'three years has passed' since they sent it. Err, three months more like! Presumably this is a typo, but they say it was March 30th 2013 THREE times in their letter. It seems they can't get their facts straight!

My claims company is going to pursue this, but I can't believe that Santander can get away with just make things up as they go along. VERY annoyed.

-taff

I'd get rid of your claims company if I were you. They'll charge you for something you can do yourself.

Although....you'll probably still have to pay to cancel your contract anyway, so it's a toss which is the bigger amount

PinkyReed

I decided to use a claims company as I didn't have any paperwork at all for one of my claims, not even an account number, and they've been great in tracking down that info. Yeah, I know I have to pay them a percentage of anything I get (if I get anything!) but they're tenacious...

dunstonh

PinkyReed wrote: »

I decided to use a claims company as I didn't have any paperwork at all for one of my claims, not even an account number, and they've been great in tracking down that info. Yeah, I know I have to pay them a percentage of anything I get (if I get anything!) but they're tenacious...

They have done nothing you could not do yourself at a fraction of the cost.

PinkyReed

Does anyone know of a case where this Santander time-bar, where letters have NOT been received, being overturned? If so, by disputing it directly with Santander, or via FOS?

doobie100_2

Hi,
Please can somebody post the postal address or email address of where i need to send my claim form back for mis-sold PPI for an alliance & leicester loan i took out in 2004.
Would appreciate your help guys :beer:.
Doobie.

amersall

doobie100 wrote: »

Hi,
Please can somebody post the postal address or email address of where i need to send my claim form back for mis-sold PPI for an alliance & leicester loan i took out in 2004.
Would appreciate your help guys :beer:.
Doobie.

http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&c=Page&canal=CABBEYCOM&cid=1210607166846&empr=Abbeycom&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_TemplateA2