Santander ppi

Kezzab198

I don’t know if any one can help, made complaint to Santander regarding mis-sold ppi on 3 store cards on 30/8. Basically received letters stating they were investigating the complaint. Then at the 8 week deadline they hadn’t been able to give a final response and that I could refer the case to FOS which I did for each separate account. They have since sent me a letter saying the can’t investigate as they were taken out pre 2005. My question is where do I go now? Is it worth contacting Genworth the underwriters or continue to wait on Santander?

Mersey_2

This article may interest you, as it details cases such as yours:


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


The Santander PPI team are usually very helpful and can often find account details over the 'phone, simply by searching on your name and post code.


Santander have taken on the historic liability for the then Arcadia Group of firms [DP, Burton + 12], as well as a few others.


You don't mention which shop or the year the PPI was added to your account; but, I can personally confirm that Santander refunded myself as well as friends and relatives' re store cards from the 1996-2002 period where PPI was added without our knowledge or consent.


Yes, Santander > FOS (Ombudsman) > Genworth (underwriter) is the usual route, although as I suggested the vast majority of successful reclaims are being actioned by Santander.


(PS I wouldn't be unduly worried, as due to the backlog AFAIK the average is 11 weeks to receive redress).

hilbil21

Mersey can I ask who you and friends were with and when it was from? I have a claim in with Santander for a Burton's card from 1999 which I wasn't aware PPI was added to.

[Deleted User]

hilbil21 wrote: »

can I ask who you and friends were with and when it was from?

I wouldn't put too much store in the result of other PPI complaints, since everyone's circumstances are different.

You'll know the result of your own complaint soon enough.

Do be aware that simply not knowing that you had PPI is not a valid complaint, that just means you've either forgotten or failed to read your statements.

hilbil21

I know that ... I managed to get 6k back from RBS on the same basis though so worth a shot!

[Deleted User]

hilbil21 wrote: »

I know that..... I managed to get 6k back from RBS on the same basis though so worth a shot!

Many PPI complaints are upheld for reasons bearing no relation to those provided by the complainant, but are due to other faults with the sale uncovered as a result of the Bank's investigation. The fact is that the Banks don't give reasons for upholding complaints, so you'll never know why you received the earlier refund. At least you are aware how weak your complaint reason is.

Mersey_2

hilbil21 wrote: »

Mersey can I ask who you and friends were with and when it was from? I have a claim in with Santander for a Burton's card from 1999 which I wasn't aware PPI was added to.

Almost identical to yours in that they included Burton and that date.