Debenhams PPI

alisont

Hi
I've had a Debenhams then a Debenhams Gold store card for years - would have been with GE bank then Santander then finally New Day.
I never really thought about PPI or cover plans back then - getting more financially aware these days (thankfully!)

I've always had an account cover part to the statement and yes silly me never challenged it over the years - it was called Account cover at 150p per £100 so presuming that was a form of PPI.ive added up last 12 months as only statements I have and it was £83.29 - in one year and I've had a Debenhams card at least 12 years:eek:

I've been sorting through paperwork and can't find original forms found a Santander one without a date on one of the carbon copied pink and white forms - it has typed on it APR 19.9% and more worryingly underneath total charge for credit £153.03:eek:

Now this was not a loan or ever even a chip and pin credit card it was a store card that looks like it got a lot of money from me in my not paying attention to finances mode back then. Looking at this paperwork it does seem its for a credit card yet why did I only ever have a store card and store card statements - feeling daft about it now. Everything is written down now and I do wish I'd kept every single agreement and paperwork and statements over the years now but you learn from these mistakes. Must have had my daft head on in Debenhams that day is all I can say.

I've atcually paid off this card this week and closed my account by phone and awaiting final statement and closing letter for my records.

Is it worth chasing the company - or more like GE Money for this cover PPI plan going back over the years - Can anyone advise where to start or I'll google it - but worried ill write to the wrong address.

So annoyed at myself - at least I'm more money savvy but annoyed I missed this one over so long or more like ignored it! I don't have any of the PPI with other cards. Had a card guard with M&S but got that back with interest about £130 in the end.

Thanks in advance!

-taff

When it was sold to you they weren't regulated, so they can dismiss your complaint.
Santander own most store cards now, and will usually reject any sold prior to 2005.
Complain to Santander first, then complain to GE, you may get lucky.