Santander ppi brickwall!

l_cru

Like most on here who have had years of loans, credit and store cards I have decided to re-claim ppi myself as opposed to using a company. I have had some success but mostly failure so far, looking to get a little insight from those who have had success from Santander.

I was Mis-sold on the basis that nothing was explained as to what it was nor that it was optional. If anything I believed that the Insurance was required to have the credit card approved. Yes it was my negligence not to follow it up for years however I am one who rarely opens the dreaded statements before filing.

Background info:
Opened Debenhams chargecard 7th January 1999.
PPI supposedly taken out over the telephone 26th March 2001 (on a non-advised basis).

First letter 21st July 2014: I Stated that I was mis-sold – Response received 30th July stating I had to fill in questionnaire and supply any relevant information I had.

Second letter 5th August 2014: Questionnaire filled in and sent back with supporting evidence that during the time ppi was sold to me I was indeed a student at the time and ppi would never have applied to myself.

Have received a rejection letter today basically stating that I took the insurance out over the phone, it was sold on a non-advised basis. I did have the option to cancel within the first 30 days. Working under 16 hours per week they would have required evidence of this at the time. Because I have no recollection of ever agreeing to the insurance nor the illusive phone call where I had supposedly agreed to such an insurance, I’m struggling to find how I can fight this case as it was over 15 years ago now. Luckily my hoarding nature has prevailed and I still have most stalemates in the loft.

Now I was hoping not to have to go down the lengthy FOS road but it looks as if I’m going to have to. But first want to know what I can write back to Santander as a final rebuttal?

[Deleted User]

You've had your "full and final" response from the Bank, so the next stage of your complaint is to refer it to the Ombudsman if you remain aggrieved. Only if you have new and compelling evidence to support your complaint should you re-contact the bank. Statements only prove that you paid the insurance, not that it was mis-sold to you.
Read the article here;
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance?_ga=1.162335934.340047350.1365283676#step4

magpiecottage

You fill in the FOS forms and send them off with copies of supporting evidence. Then you wait!

FOS upheld 49% of Santander Cards' PPI complaints in the first half of this year so your chances are around 50:50