PPI on store cards? Quick, free and easy check via Santander

Kezza70

armybike wrote: »

If you had store cards from shops such as Debenhams, Toys R Us, Principles etc pre-2001, they may have had PPI included and you can confirm via one quick free phone call!

All you need to do is call Santander's Complaints Department on 08001712171.

Then press Options 1 > 1 > 1 > 1 > 3

Listen to pre-recorded message re PPI questionnaire.

Hold to be put through to advisor.

Give your name and date of birth and they'll check to see if you had any store cards with PPI.

You'll also need to confirm the address the card(s) would have been registered to.

You'll be asked to confirm why you're complaining re PPI, for example if you didn't request it or weren't made aware it was included.

If you have they'll complete the application there and then and a decision will be made within eight weeks if you are entitled to compensation.

Plus, as it's via Santander you won't need to pay a third party company a percentage admin fee

Wish I'd seen this post when searching as I went all round the houses. I had a New Look store card 10+ years ago and found a contact number on here for Santander as they owned the finance however, the first person I spoke to in Santander said they didn't and to contact Ikano back which I did and they told me it was Santander,face palm, anyway I phoned today and asked for the PPI dept, follow the steps above from post 1. Anyway she could see I had PPI on the New Look card which I didn't even know about as the card was sold to me in store but she also said I had PPI on a Curry's/Dixon card I forgot about, well what a result, didn't even know that had it on either just got it through the post and didn't think any more of it. So if any of you out there have an old Curry's/Dixon card phone the number above for Santander and start a complaint via the phone.

Lozwhalley

Thanks Mersey it was a letter asking for more information about my savings (unfortunately cash) and my employee sickness pay (didn't keep my contract for an old job at a business now folded) and on the letter it said they didn't 'believe' there was a claim but requested more info on the above to make sure. I wrote a letter and enclosed it within the additional info stating I was pretty much flabbergasted if not outraged that the primary reason - that I was lied to, had been ignored hopefully they'll have a look? I spoke to someone I. The dept and they agreed it was being pressured so fingers crossed I guess? Didn't include details of the call in my letter but I have the date/time/agent's name to quote if I have to. 👍🏻

[Deleted User]

Lozwhalley wrote: »

it was a letter asking for more information about my savings (unfortunately cash) and my employee sickness pay (didn't keep my contract for an old job at a business now folded) and on the letter it said they didn't 'believe' there was a claim but requested more info on the above to make sure.

If you don't respond providing the documentary information the bank have requested, I'm afraid the Bank is going to reject your complaint. The reason they are asking for this documentation is that they have already found no evidence to support your contention that you were "lied to" at the time of the sale.

You really really haven't received a "pseudo" rejection, the Bank are simply giving you the chance to show them that you had no need of the insurance.

Clearly, part of your complaint must have been that you had sufficient savings and employment benefits-but they are not going to just accept your word for that. Provide the proof and they will doubtless uphold.

There is definitely no point referring to anything said by Bank call centre operatives about the validity of your concerns since it is not their job to consider PPI complaints. Telling the Bank that a named individual agreed that you were pressured will not further your cause in any way.

Obviously cash savings can never be proven, but do you have nothing from your old employer pertaining to details of sickness benefits etc?

Good luck.

edrushuk

Apologies for the basic question, but I assume you will need to be a Santander customer to have access to this service?


Thanks
Susanna

[Deleted User]

Anyone can ring the telephone number in post #1 of this thread, not just Santander customers..

so_very_confused

Well, I have just lodged a complaint.
The grounds, although I was working I had recently retired through ill health and was in receipt of a pension which would cover my expenses. Also I had several pre existing conditions which would invalidate me from claiming. It was this reason when I had been off work ill for several months that I cancelled the PPI as I realised it was of no use to me.
Hope it's good enough!
Any further suggestions re my position would be helpful.
Don't know if it is sufficient to succeed.

[Deleted User]

so_very_confused wrote: »

Any further suggestions re my position would be helpful.

Since you've already submitted your complaint, there is nothing you can do now but wait (around eight weeks) for the Bank to respond to it. If the Bank reject then you will then have the option of referring your concerns to the Ombudsman.

Lozwhalley

Called them Today as the 8 weeks is up tomorrow and haven't heard anything since my letter I sent them regarding my frustration at the primary reason being ignored (being told I couldn't open the account unless I had PPI due to me being only 18) and despite my pessimism apparently a letter has been sent out today for me which includes my offer of settlement (the amount was read to me over the phone) and I'm really pleased thanks to the 17 years of interest paid! Best of luck to anyone else who thought they weren't getting anywhere �� It just shows that despite them saying initially there's no claim to answer unless I can prove sick pay and cash savings (I couldn't prove it and stated this in the extra information questionnaire they requested) it pays to persist regardless - again best of luck to everyone.

Mersey_2

Moneyineptitude wrote: »

There is definitely no point referring to anything said by Bank call centre operatives about the validity of your concerns since it is not their job to consider PPI complaints. Telling the Bank that a named individual agreed that you were pressured will not further your cause in any way.

That para is untrue.


Indeed it's established that maladministration includes providing false information by employees to customers and I've seen several cases where such claims succeeded precisely because of that.

[Deleted User]

Mersey wrote: »

Indeed it's established that maladministration includes providing false information by employees to customers and I've seen several cases where such claims succeeded precisely because of that.

The poster concerned was threatening to name an individual call centre operator who allegedly agreed the policy was mis-sold in a recent call. No one wins a PPI complaint on the back of such an accusation.

I sincerely doubt the call centre operative did say the policy was mis-sold, it's more likely that he or she simply agreed that the caller's reasons for complaint were valid. Regardless, the bank would be able to listen to the call recordings to see if the operator did indeed act appropriately, but that still wouldn't cause the PPI complaint to be upheld.