How to claim PPI from DFS?

mrmrspiktel

Hi everyone just wondering if any one know how to claim PPI from DFS. I was just going though my paperwork and I found out that im paying for ppi I have never taken out. If anyone know how to claim it back it would be great help thank you.

[Deleted User]

mrmrspiktel wrote: »

I found out that im paying for ppi I have never taken out.

You can complain by writing directly to DFS, but your complaint that you have never taken the insurance will doubtless fail because your signature will be on their paperwork to say that you did agree to it.

You need a far stronger complaint (preferably with supporting evidence) to stand any chance of success.

magpiecottage

DFS
1 Rockingham Way
Redhouse Interchange
Adwick - Le - Street
Doncaster
South Yorkshire
DN6 7NA

cjguy71

i bought a leather 3 & 2 seater from dfs around 2005, there was ppi on the aforementioned item and iam wondering if i could claim the insurance and premiums back?
does anyone have any ideas on how i would go about claiming?
any help would be greatly appreciated
regards chris guy

dunstonh

does anyone have any ideas on how i would go about claiming?

You make a complaint to DFS giving your reasons. If you have evidence to support your complaint, the supply copies of that as well.

amersall

If you paid the PPI in with the loan payment each month, this is Single Premium PPI, in effect a loan on the loan that you repaid to term end with interest.
What you would not have been told at the point of sale was, had you repaid this loan back early then you would have received a rebate of the PPI for the months unused, you would then repay the remaining PPI back in the settlement figure, use this as a reason for mis sale, if you could have repaid this loan without the need for insurance then state why, if you had life cover, a good sick package from your employer or maybe savings, use these as reasons too.
The address to send your complaint to is on post 3.

cjguy71

can you still claim even if you dont have any paperwork?
or will your claim just be dismissed?
also can they follow up your claim just on the address where the item was delivered to?
would they be able to proceed without an invoice or policy/item number

magpiecottage

It would depend on their records.

If there is no evidence that PPI ever even existed then there is little chance.

cjguy71

The ppi premium was included in the monthly repayment for the aforementioned item.the salesman even said to take it out as the credit application would be looked on more favourably.in his words it shows that you want to pay the loan back in case you lose your job.therefore saying your loan will be passed if you have ppi.this i think is mis selling

dunstonh

cjguy71 wrote: »

The ppi premium was included in the monthly repayment for the aforementioned item.the salesman even said to take it out as the credit application would be looked on more favourably.in his words it shows that you want to pay the loan back in case you lose your job.therefore saying your loan will be passed if you have ppi.this i think is mis selling

It is mis-selling but it is one of the weakest of the complaint reasons. It is effectively an unprovable allegation. So, give it a go but you would pretty much be reliant on auto-payout or another failure being identified.

safestored4

Don't build you hopes up. If DFS have any sense they will have destroyed sales records from 9 years ago, and unless you can provide your own documentary evidence of PPI your complaint will be dead in the water.