Success Debenhams/Genworth 2013(Pre-2005)

Bluebell_lady

First off big thanknyoubto Martin Lewis and MSE website and to all its contributors because without the forums I don't think I would be writing this post today, during this whole process I have become rather addicted to this website and hearing everyone's stories:T

To my story; back in October 2012 I made the decision to investigate PPI on my previous cards/loans/mortgages/car loans/store cards.

Beginning with Debenhams, made a phone call, they said they would investigate my claim PPI was miss-sold & to leave it with them.

Timelines follows:-
22/10/12 letter from Santandar stating if ticked PPI box therefore no evidence of miss-selling & that was their final response suggested contacting FLA if I wasn't happy.

Next course of action wrote to FOS who were very good & helpful but long & short of it was they couldn't help as my card was Pre-2005, they suggested I tackle the underwriters.

By now it was Christmas 2012 & to be honest I felt a bit deflated & ready to throw the towel in.

January 2013 - was determined to give this a last stab & get letters out to everyone involved, so mid January 2013 wrote to FLA, FIC (recommended by FOS), Genworth Financial (who I believed were the underwriters). The letter detailed why I felt I had been miss-sold & previous correspondence received from Santander.

21st January 2013 - letter received from Genworth stating awaiting direction from FOS with these cases & they were now writing to the underwriter to obtain policy details & information on premiums paid, this would take approximately 2 weeks.

9th March 2013 - letter received from Genworth (albeit dated 1st March 2013) making an offer for redress for just over £900 woohoo - needless to say I shall be delighted to accept :j

Please, please do not give up - for anyone getting nowhere with Santander, personally I would suggest going straight to Genworth Financial or whoever was the underwriter at the time you took out your card (Santander will be able to tell you who it was). I was determined to fight the whole way with this Debenhams Store Card. Your persistence will pay off. Best wishes to everyone being given the runaround by Santander.

Happy days :T:T:T

fifitrixiejane

When did you take your debenhams card?
I think originally when I took out my debenhams card it might have been genworth but then I remember GE capital? It's not the same is it?
I had my card from about 1997ish.. Perhaps it would be worth a letter then now as it did rack up a lot of money and from my statements I was paying PPI.
Hmm..

Bluebell_lady

Sorry I should have put that. Took mine out 1997. I also wrote to GE capital, mid January, heard nothing so for me Genworth came up trumps.

Good luck

Prof_Ligate

fifitrixiejane wrote: »

When did you take your debenhams card?
I think originally when I took out my debenhams card it might have been genworth but then I remember GE capital? It's not the same is it?
I had my card from about 1997ish.. Perhaps it would be worth a letter then now as it did rack up a lot of money and from my statements I was paying PPI.
Hmm..

GE Capital ran the Debenhams cards before Santander took over. I took my card out in 2003 and its Genworth who have dealt with my complaint after Santander said no.

fifitrixiejane

So, do you think it's worth looking into then if Genworth are now paying out?

Prof_Ligate

fifitrixiejane wrote: »

So, do you think it's worth looking into then if Genworth are now paying out?

For sure. I wrote to Santander in Jan, they wrote back pretty much straight away to deny me and so I wrote to Genworth and rec'd a refund plus interest offer shortly after.

angelbeefpie

Would this be same for Dorothy Perkins storecard....was run by ge capital from memory. Still got statements. Should I just complain straight to genworth? Thanks

sarabi

^when was the ppi sold on your dorothy perkins?

angelbeefpie

I think around 2000. I have statements from 2004

Bluebell_lady

Cheque arrived Thursday 11th April 2013 and banked Friday 12th April 2013. :T

So glad that I didn't give up despite the runaround.

Happy lady - that's to MSE:rotfl:

jamethyst

Great news for you, well done, do you have the address to which you sent this claim?