Santander PPI Claim Rejected

hilbil21

dunstonh wrote: »

And the same comments posted above apply to him

If he didnt pay any premiums, then what is he expecting them to refund?

I mean an identical letter to the letter the OP received, not the person who posted about a mortgage. He paid plenty premiums through the time he had the card

chrissy100

I have been using an agency Fair Trade Practice to sort out my PPI claims.

Santander have agreed that I had 2 store cards that had PPI on them. but although I have filled in forms through FTP, Santander have sent me letters with forms asking me virtually the same questions, but in more depth. Asking for salary details, sick pay, redundancy pay. How would I have paid back monies owed. etc. I don't have details of these anymore. Is this likely to be thrown out because of it? We are talking about 12 - 15 yrs ago. After reading this thread I think they will find a reason not to pay out.

[Deleted User]

chrissy100 wrote: »

After reading this thread I think they will find a reason not to pay out.

Only if you don't have a valid complaint, which would seem fair enough.

dunstonh

Santander have sent me letters with forms asking me virtually the same questions, but in more depth.

This generally means that on first pass they have not been able to identify any failures and require more info in certain areas.

Asking for salary details, sick pay, redundancy pay. How would I have paid back monies owed. etc.

Which suggests these points were highlighted as complaint reasons. Now, surely if you used them as your reason for complaint, you would know what they are. You say you used a CMC, so its more likely the CMC went down this route. Whilst some try-it-on complaints get lucky, others get caught when the lender asks for info.

Did you actually have a complaint reason or was this just a try-it-on? - nobody can identify you. So, you can be honest about it.

After reading this thread I think they will find a reason not to pay out.

It's not over yet. If you don't know the information than say so. Most of the banks have a database of employer benefits that they have built up. They may just need the employer name to match against their database to see what you would have had. Or you may have had an employer that was not in their database and that is why they are asking questions.

daztraction

For what it's worth, I was successful in a PPI claim against Santander last year for a store card that I took out in 1999, which is 18 years. I was a student at the time though.

chrissy100

I wasn't aware that I had had PPI with them. The cards were with someone that Santander have taken over. ie' GE money. I had a letter from Santander telling that I had 4 cards with them and 2 of them had PPI.

I was unaware of the PPI and I know I was never asked if I wanted it. I was in full time employment at the time and had no reason to need it. I had full pay when it came to sick pay and would have had a really good redundancy payout, should that have arisen. So I wouldn't have agreed to having it.

I have given them the same info as they asked FTP for.

dunstonh

I am not picking on you but just highlighting issues so you can see positives and negatives of your position.

I wasn't aware that I had had PPI with them.

yet it would have appeared as an entry on every statement it was paid.

and I know I was never asked if I wanted it.

Yet it was added and you never made any query or complaint whilst you were paying for it.

I was in full time employment at the time and had no reason to need it.

That is not a complaint reason. That is actually a reason for having it and verifies that you were eligible for it. daztraction, who you thanked for their response, said they got a refund because they were not employed. A clear missale reason. You say you were employed full time. So, not a missale reason.

. I had full pay when it came to sick pay and would have had a really good redundancy payout, should that have arisen.

Redundancy pay is only paid if the company can afford it. Not if the company fails. It has no overlap with most PPI. Although it can impact on a small number.

Sick pay is an issue on advised cases but not non-advised or where the PPI would not pay out in addition to sick pay. However, if it pays out in addition to sick pay then its not an issue.

I have given them the same info as they asked FTP for.

if you are doing all the work, then why are you paying the CMC large amounts for it? (or will be if your complaint is successful).

[Deleted User]

chrissy100 wrote: »

Fair Trade Practice

That's a misnomer if ever I heard one..

hilbil21

The points above posted by dunstonh are basically exactly why my partners complaint was not upheld. I tend to see their point.

debbilou

I have also had a mortgage ppi claim rejected from santander, we took it out in 1990 with Alliance and Leicester, they rejected it for the same reasons as the first post. I keep hearing all these people saying they have received hundreds or thousands of pounds, I thought I was being good having no loans, store cards or credit cards and either doing without or saving for something.