Debenhams Store Card - PPI Claim

Scottie_Laker

Hi All,

First ever post but long time lurker I'm afraid!

Just filling in a PPI claim for for a Debenhams store card taken out in 2007 and cancelled in 2015 which had PPI (Account Cover Insurance) included on it for a while.

I have filled in the paperwork and ready to send off, but not very clear as to where this needs to go. During my research, I have found a few possibilities;

- New Day - credit supplier when cancelled
- Santander - credit supplier for a while
- GE Capital - credit supplier when I signed up
- Genworth Financial - underwriter?

Can anyone provide me guidance as to who I should go to first?

Many thanks,

Scottie_Laker

Mersey_2

Santander are currently paying out re store card PPI claims from around 2000 from the then Arcadia Group of stores (Debenhams, DP, Burton, Top Shop, etc).


www.mirror.co.uk/money/you-used-store-card-1990s-7114139


Otherwise the successful route appears to be Santander > FOS (Ombudsman) > Genworth (the underwriter).


Good Luck.

[Deleted User]

In the first instance, you have to send any complaint to the seller of the insurance. The others only come into play when your initial complaint is rejected by the seller.

Your complaint is from a date after regulation, so Debenhams/Satander should be sent the complaint.

Scottie_Laker

Thanks for your help... Santander will be getting a letter from next week!

Scott

MCGONIS

Hi. Good luck with you claim. I made one about a Debenhams store care about 8 weeks ago.

I started by sending an email to Genworth. I got a reply after 4 weeks asking for my account number. I wrote back saying I did not know it and enclosed a copy of an Experian report page from 1997 highlighting the account.

They wrote back saying they needed the account number and to ask Banco Santander. The account had been settled/closed whist still managed by GE Capital Bank. But anyway, I rang Santander who gave me an account number begining 60000.

I rang Genworth back with this and the advisor there said he would pass it on.

Since then I have received "hold" letters from Santander, Genworth and Axa and I actually have no idea who is dealing my complaint. The letters all say I can refer to the FoS if I want but they expect the complaint to be resolved in the next 4 weeks.

Good luck with your claim, could you let me know how yours goes and I will do likewise.

My complaint centres around the person at Debenhams saying that if anything I bought with the card then went on sale I could claim back the difference if this happened within 90 days of purchase. So I agreed. The cost was not explained to me and neither was the fact that "account cover premium" was actually PPI and the bit about claiming the refund on sale goods was secondary to what I was really paying for.

shaneyray1

Hi All
Have dug out my rejection PPI letter from Santander regarding account taken out with Debenhams in 1996.
This was 18 months ago and work took over, so have not pursued the claim. I now have plenty of free time on my hands and would like to know what to do next please.
Thanks
Shane

[Deleted User]

shaneyray1 wrote: »

Hi All
Have dug out my rejection PPI letter from Santander regarding account taken out with Debenhams in 1996.
This was 18 months ago

You are now a year too late to refer the case to the Ombudsman, so you have no access there.
If you complain again to the Bank, they will simply refer you to the original rejection. Basically, you can complain only once unless you have found new and compelling evidence not in your original complaint. Having more time on your hands now does not help your complaint one jot.

Writing to the Bank asking them to re-open your case is a waste of your time and theirs. You should have referred the case eighteen months ago, you had six months in which to do so.

-taff

shaneyray1 wrote: »

I now have plenty of free time on my hands and would like to know what to do next please.
Thanks
Shane

Nothing. Enjoy your free time.

shaneyray1

Thanks for replies.
With the rejection letter Santander have attached a copy of the application to open the account . Which I didn't have. All the information boxes regarding employment status, marital status etc have a line through them. Of course the PPI box has been ticked.
So, all the information they had was my name, address, telephone number and signature; the rest has been scribbled out.
Would this constitute new evidence/ have any bearing on the case, or should I bin the letter and carry on enjoying my spare time ?

Nasqueron

shaneyray1 wrote: »

Thanks for replies.
With the rejection letter Santander have attached a copy of the application to open the account . Which I didn't have. All the information boxes regarding employment status, marital status etc have a line through them. Of course the PPI box has been ticked.
So, all the information they had was my name, address, telephone number and signature; the rest has been scribbled out.
Would this constitute new evidence/ have any bearing on the case, or should I bin the letter and carry on enjoying my spare time ?

It's not new evidence no, they have a copy as they sent it to you so they will have already considered it

[Deleted User]

shaneyray1 wrote: »

Would this constitute new evidence/ have any bearing on the case, or should I bin the letter and carry on enjoying my spare time ?

Do you really expect the Bank to have provided you with "new" evidence they did not already consider as part of the investigation? The Bank sent you that application as support for what they said when rejecting your original complaint.

You appear to have nothing which would convince them to agree to re-open the complaint and contacting them again eighteen months later will be a waste of both your time and the bank's.

This complaint was over a year ago when you failed to refer it to the Ombudsman within six months of rejection.