debenhams card

debra4145

My mum who is 76 has a debenhams card with insurance...does anyone know if we could claim ppi on this as it states the she would benefit from being if she could not work due to an accident and sickness...she hasnt worked for 20years and if she could claim this money back it would hepl her as she is really struggling financially... If she is eligable to claim could someone please help how to claim and who to write too...she has had this insurance for approx 20years

-taff

She can make a complaint, but it's her circumstances at the time of sale that were important.
She has a couple of choices. She can write and ask for the premiums back since she retired, as they wouldn't have covered her, and the card company do have her date of birth, and although it was an oversight on her part not to have cancelled it when it wouldn't have paid out any more, would they be lovely and refund them.

Or she can complain about the sale of PPI when it happened. Complaining about the sale though, means that originally, when it was sold, it was pre-regulation. Santander are now responsible for that card [check though] and they will usually reject the complaint. Then you get in touch with the Financial Ombudsman to see who the insurer was at the time, and then you complain to the insurer.

Also, she will only have paid PPI on any outstanding balance, so if she paid the card off in full each time she used it, or kept a low balance, there won't be that much to come back is she is successful.

So those are two choices.

If she hasn't worked because of illness or she wasn't working at the time of sale, then it shoulnd't have been sold to her, and it was useless anyway, which means she should really complain to Santander to start with. The trouble with that is that it's not a foregone conclusion of success [with the insurer] so she'll have to make her mind up which way she wants to go.

_Andy_

There are plenty of guides on the site and in the forums.

Eg

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance