Next directory

Anna-Louise

I spoke to Next, they confirmed that I did hold PPP (as they call it), and I complained via email. However I received a rather patronising letter back to say that the way that it was sold (ticking a box or calling to request) meant that it was the account holders responsibility to ensure that the cover was required. I'm honestly not aware and don't believe that I would have done either.

I was referred to the underwriter should I want to pursue my complaint. I would be interested as to others response to Next letters in the past. They made me feel dreadful for even investigating!!

mapleoak

Hi,

I have had a Next account for as long as I can remember. I have emailed them to confirm that I had PPI until they cancelled it in 2011/2012. Assuming that they confirm that I did, then do I write to Phoenix as suggested by Robin Hood and if so, is there a specific wording that I would include in any letter? Or do I need to send a SAR to Next to get more formal confirmation?

Kind Regards

Chezdiv

Have just joined this forum as I too have been wondering if I could reclaim back my PPI from Next Directory. I have had my policy since 1996, which I did not request and was automatically applied to my account. Although I have not used the account for a few years I do remember that the PPI payments were shown on the monthly statements. If you have any old statements this is proof if payment. That said I was wondering if anyone has made a successful Claim against Next Directory for PPI.

bluep

Just for anyone that ends up on this thread re a search for Next PPI as I did. It took a 2 minute call to Next customer services to determine whether my 2004 account had ever had PPI (unfortunately not) - the customer services rep said their system had all the info right back to when I opened the account and their system automatically tallies the amount of PPI paid in total. Sounds like they have their act together info wise. Obviously no claim for me, but I thought this might be useful for someone who didn't have historical info and wasn't sure how easy it would be to get.

rward69

Success. 8 weeks following complaint to underwriter and today had a letter it has been upheld. Had account for over 20 years. Receiving £10,225. So definitely worth claiming as this was added to account automatically.

amstel2

rward69 wrote: »

Success. 8 weeks following complaint to underwriter and today had a letter it has been upheld. Had account for over 20 years. Receiving £10,225. So definitely worth claiming as this was added to account automatically.

That's great news am still waiting for a response. Can you say who the underwriter was.

[Deleted User]

amstel2 wrote: »

am still waiting for a response.

The only "positive" response you can receive being a bankrupt is that your complaint has been upheld and the money is going to the Official Receiver for re-distribution to your former creditors.

I told you this back in May (post #31)

Are you hoping that you'll somehow receive money you are not entitled to? You cannot personally benefit from this pre-bankruptcy asset, I'm afraid

https://forums.moneysavingexpert.com/discussion/3766585

sun73

Amstel2, the underwriter for Next Directory PPI is Phoenix.

[Deleted User]

sun73 wrote: »

Amstel2, the underwriter for Next Directory PPI is Phoenix.

"If a (former) bankrupt considers that a PPI policy was mis-sold, they should not attempt to pursue a mis-selling claim without reference to the official receiver or trustee.
Discharge from bankruptcy does not alter this position. Discharge does not operate to transfer unrealised assets, including PPI mis-selling claims, back to the individual."

http://webarchive.nationalarchives.gov.uk/20121212135622/http://www.bis.gov.uk/insolvency/personal-insolvency/ppi-mis-selling-claims-and-bankruptcy

Vectis

Moneyineptitude wrote: »

The only "positive" response you can receive being a bankrupt is that your complaint has been upheld and the money is going to the Official Receiver for re-distribution to your former creditors.

I told you this back in May (post #31)

Are you hoping that you'll somehow receive money you are not entitled to? You cannot personally benefit from this pre-bankruptcy asset, I'm afraid

https://forums.moneysavingexpert.com/discussion/3766585

Some people only listen to the answers they want to hear I'm afraid.