House of Fraser Card

Dibsi

We have just been advised by the Ombudsman that they can't help with PPI relating to a House of Fraser card because it was taken out prior to 2005. I'm not clear whether there is anything else we can try as we contacted New Day and Santander originally, and both Companies advised us that the card/ claim was nothing to do with them and so they couldn't help- and this was why we went via the Ombudsman. Interestingly, New Day did arrange to cancel the PPI when we originally spoke to them, and so I'm wondering why they refused to deal with our claim. We're very confused!

[Deleted User]

Complain to New Day.

You are still free to make a complaint, but you have no access to the Ombudsman who cannot assist you further.

Good luck.

Dibsi

Thanks for the info. There seems to be conflicting advice regarding these type of claims.The card was taken out via House Of Fraser and there have been several Companies involved over the years - GE, Santander, New Day. Which Company to we address? House of Fraser as the original provider ,New Day as the existing Company or one of those in between? Once we have worked out where to send it, do we simply draft a letter of complaint or is there another template? I'm sorry to ask so many questions but I'm determined to take this as far as possible on behalf of mum in law who had no idea until we helped her to review her finances after losing dad in law, that she was even paying premiums.

[Deleted User]

I refer you to post #2.

The Ombudsman service cannot accept any complaints that have not been already considered by the party in question. They are also unable to assist where the financial institution were not regulated at the time of the sale.

So, complain to New Day, as House Of Fraser's insurer, in the first instance and take it from there.

I wouldn't use the old chestnut that she "didn't know she had it" if I were you. Since it appeared on every statement itemised on a separate line it just means she didn't check her statements. There will also be records of her having initially agreed to it which she's forgotten about. That does not indicate a mis-sale took place.