Storecard PPI refusal

HONEYMONSTER

Thoughts please?


I have helped my friend put in a PPI claim against a storecard she took out in 1998. Basically she went into a store to buy a suit and she was told that she would get 10% off if she took out a storecard and was accepted, and it was intimated that if she took out the PPI she would have a better chance of being accepted. She had also been diagnosed with a serious neurological condition the year before and was not aware she would not be covered for this.


The PPI claim was denied on the grounds that it was a non advised sale and although the shop assistance would have given her "limited" information, she would have received soon after, their full policy details which she was at liberty to read and see the full terms and if she wasn't happy she could cancel. They then went on to say that periodically the insurance fees were reviewed during the 15 year existence of the policy and on each occasion she would have been written to and therefore had further opportunities to cancel it.


She doesn't deny she had the policies, although she can't recall them but she is adamant it was strongly intimated that the insurance would increase her chances of getting the card and she wasn't aware she wouldn't get the cover for her pre-existing condition- is there any point in appealing?

[Deleted User]

There is no "appeal"
Refer the complaint to the Ombudsman if you remain dissatisfied

Nasqueron

1998 is 7 years before storecard sales became regulated, you can refer to the FOS but store can reject it on the pre-regulation grounds anyway

dunstonh

She doesn't deny she had the policies, although she can't recall them but she is adamant it was strongly intimated that the insurance would increase her chances of getting the card and she wasn't aware she wouldn't get the cover for her pre-existing condition- is there any point in appealing?

Its a very weak complaint on the allegation front. She almost certainly has no evidence to back up that allegation and the card provider almost certainly will have no evidence to support her allegation either.

The pre-existing condition side is only relevant if the condition is serious enough to make any or most claims on health ineligible. It is quite acceptable for a pre-existing condition to be eliminated.