Allders store card - how can i check for ppI ?

happysummer

I had a store card with Allders back in early 2000. Does anyone know who I can contact about reclaiming ppI please? Has anyone done this? I have no paperwork! Any help much appreciated. Thank you.

-taff

They have gone bust and it's pre regulation. Forget about it.

Mersey_2

You could try:


Ikano Bank AB
P O Box 10081
Nottingham
NG2 9LX


[EMAIL="customerservice@ikano.net"]customerservice@ikano.net[/EMAIL]


As they list the Allders Account Card and Budget Card on their site, along with Karen Millen, Oasis, New Look and Whistles store cards.


Incidentally it doesn't necessarily matter that a name has 'gone bust' (as the final Allders store did in Croydon in 2013). It is whoever may be dealing with that historic liability. For example RBS are now dealing with Style store cards from the 1990s and so on.


The Kamprad Group is huge so they should at least reply and let you know who if anyone is now dealing with Allders' matters.


happysummer - As for paperwork - of course, it always helps if you can find either the original CCA or an old bank statement with proof of repayments; but, many have succeeded with neither. A bank will merely ask you to complete a PPI Questionnaire and some can find the old account details by searching your name and address at the time. Others can't.

happysummer

Thanks, but someone has messages saying I could contact ikano bank in Nottingham?

Mersey_2

-taff- incidentally, I have no idea why you keep stating that if x is 'pre-regulation' that somehow means it is fatal fact and a claim or complaint cannot be intimated. It does not.


By definition, most store cards were taken out prior to 2005, given the millions that were taken out in the 1990s at the height of their popularity. That merely means that either another financial code existed at the time re the FSC and so banks can still be pursued, or in the case of store cards there may be no appeal rights to the Ombudsman.


However, it does not stop any consumer seeking redress from either the original finance company, a bank who has since taken on the liability in some cases or an underwriter in other cases, as Genworth does in the case of the then Arcadia Group of stores (DP, Burton, TopShop, Debenhams, etc) if Santander have not already repaid the customer the payments plus 8% pa re that cohort.

[Deleted User]

happysummer wrote: »

Thanks, but someone has messages saying I could contact ikano bank in Nottingham?

Nothing to stop you writing a speculative letter to the address provided above, but without any documentation or (I assume?) account numbers to refer to I doubt you'll get very far.

[Deleted User]

Mersey wrote: »

I have no idea why you keep stating that if x is 'pre-regulation'

In this instance it simply means the OP has no access to FSCS for compensation even though the firm has (long since) gone into liquidation.

Nasqueron

Mersey wrote: »

-taff- incidentally, I have no idea why you keep stating that if x is 'pre-regulation' that somehow means it is fatal fact and a claim or complaint cannot be intimated. It does not.


By definition, most store cards were taken out prior to 2005, given the millions that were taken out in the 1990s at the height of their popularity. That merely means that either another financial code existed at the time re the FSC and so banks can still be pursued, or in the case of store cards there may be no appeal rights to the Ombudsman.


However, it does not stop any consumer seeking redress from either the original finance company, a bank who has since taken on the liability in some cases or an underwriter in other cases, as Genworth does in the case of the then Arcadia Group of stores (DP, Burton, TopShop, Debenhams, etc) if Santander have not already repaid the customer the payments plus 8% pa re that cohort.

Yes and no, it depends if the underwriter wishes to take on the case.

Remember the issue is miss-SALE i.e. someone incorrectly sold a product. The underwriter isn't any more liable for the sale than say Santander would be for a car dealership using them for car finance.

With an established route like Store Cards -> Santander -> Genworth it's worth mentioning. For other cases, like car dealerships or window sales etc if it's pre-2005 it's better to set realistic expectations than make people think the finance provider will pay out and get their hopes up.

As Money has said above as well, pre-2005 AND bust means it's pointless as the route for compensation to the FSCS is also not available and wasting time and money trying to get someone not liable for the sale to take liability is destined for a dead end

-taff

Mersey - That's why ^

[And I usually say pre-regulation forget it for car dealerships and any other where the liability won't be taken - I think you'll find I don't say that for store cards, Indeed, i've been telling people about the store card - santander - genworth route far longer than you've been posting , having done that myself]

Mersey_2

-taff wrote: »

Mersey - That's why ^

[And I usually say pre-regulation forget it for car dealerships and any other where the liability won't be taken - I think you'll find I don't say that for store cards

But the OP asked about a store card - and you did. ("its pre-regulation. Forget about it.")


Indeed the only reason I raised it, is that you have said the same in a few threads. Others have corrected you, but you keep referring to it as if it's a fatal fact re all PPI matters.

Mersey_2

Nasqueron wrote: »

pre-2005 AND bust means it's pointless as the route for compensation to the FSCS is also not available and wasting time and money trying to get someone not liable for the sale to take liability is destined for a dead end

I agree with most of that, but your final para is simply incorrect.


There are a dozen examples of store cards where 'both bust & pre-2005' are the case and yet PPI premiums are being refunded today. [such as Style cards issued in the 1990s onwards]


There's no need to go to any arbiter incidentally, as in the case of the dozen cards which are no longer in use, RBS, Lloyds, HSBC or Santander release the cheques to the complainants in the first instance. But yes, there's no appellate body or organisation to turn to if a claim is intimated and it is declined by the bank.