Evans store card 1995-2000

SandGirl

I had an Evans store card back in 1995, for about 5 years, running up a debt of about £3k on it before I paid it off with a loan as the interest was crucifying me.


There's a good chance that I had PPI added without me knowing, but I have no account numbers and no paperwork.


Is there any way to try and grab some money back or a) have I left it too long, and b) am I screwed without paperwork/account details?

[Deleted User]

You would have seen the PPI on every statement, if you had it.

Mersey_2

Deleted_User wrote: »

You would have seen the PPI on every statement, if you had it.

This is untrue (but is the case in the vast majority of claims)

Mersey_2

SandGirl wrote: »

I had an Evans store card back in 1995, for about 5 years, running up a debt of about £3k on it before I paid it off with a loan as the interest was crucifying me.


There's a good chance that I had PPI added without me knowing, but I have no account numbers and no paperwork.


Is there any way to try and grab some money back or a) have I left it too long, and b) am I screwed without paperwork/account details?

Yes, it's always easier if you have some paperwork, although equally I've known several people personally as well as on here who have successfully reclaimed PPI payments plus 8% pa interest without paperwork.


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


Santander > the FOS (Ombudsman) > Genworth (the underwriter) is currently the successful route some claimants are using re store cards from the 1990s onwards from the then Arcadia Group (Evans, DP, Burton, Top Shop, Debenhams, etc).


Many only have to contact Santander incidentally. Their PPI team are helpful and can often provide account numbers over the 'phone simply by searching by name and post code.

[Deleted User]

Deleted_User wrote: »

You would have seen the PPI on every statement, if you had it.

Mersey wrote: »

This is untrue

It's only "untrue" if you mean that the PPI wouldn't have shown on monthly statements unless it was actually paid.
Of course, if the OP always cleared the outstanding balance (and so never paid PPI) there would be nothing to refund anyway.

Nasqueron

Moneyineptitude wrote: »

It's only "untrue" if you mean that the PPI wouldn't have shown on monthly statements unless it was actually paid.
Of course, if the OP always cleared the outstanding balance (and so never paid PPI) there would be nothing to refund anyway.

I believe Mersey is referring to 1 (or 2?) very very very VERY VERY rare cases where the bank made an error in printing the statement without mentioning the PPI, it affected a tiny number of people in very extreme circumstances and not for very long, it's pretty much 99.99% guaranteed the PPI WAS on every statement

Mersey_2

Nasqueron wrote: »

I believe Mersey is referring to 1 (or 2?) very very very VERY VERY rare cases where the bank made an error in printing the statement without mentioning the PPI

Yes, it's an error largely restricted to store card PPI from years ago.


There have been a dozen reported cases involving Burton by Martin Lewis, a couple with Style card (RBS have taken on that historic liability), I've seen one such statement and there have been a couple on here from OPs as well.


I think the only bank who have admitted it happened on any of their loan statements was NatWest.