Help please on old House of Fraser storecard PPI claim

[Deleted User]

I took out a storecard instore at a House of Fraser branch probably in the early 1990s. This account was closed during the early 2000s but I know I definitely had PPI on it and feel positive that it was mis-sold. I have no paperwork going that far back apart from a solitary storecard statement from 1998 which clearly shows the monthly PPI charge.


The card was issued by GE who were taken over by Santander. Newday was involved somewhere along the line too. I have telephoned Santander and Newday to ask where to send my PPI claim but they each direct me to other company:(. Santander sent me the numbers of 2 accounts which had PPI but these numbers bear no resemblance to the one on the old GE statement and could well be for non-related accounts. I'm very frustrated by this and am determined to see it through but am going round in circles..


I've read that if all else fails to contact the underwriter of the policy. I believe it was a company called Glenworth who underwrote these storecard policies but when I reached the Glenworth website I see it is now part of AXA. I seem to be getting further and further away from who was originally responsible for this storecard.



Does anyone know if Glenworth still exists please? If anyone has made a PPI claim against HofF and can supply details of who and where to address this to I'd be eternally grateful.



Thanks for reading. And your patience:T

[Deleted User]

You may be looking for the wrong company.

It's Genworth..

[Deleted User]

Deleted_User wrote: »

You may be looking for the wrong company.

It's Genworth..

Thank you. How embarrassing for me to mistype the name several times:o. I was awake most of the night with toothache so decided to use the sleepless hours profitably. I posted on here at 4.15 a.m.:eek:. No excuse for carelessness though.



Yes, it's Genworth I was trying to find out about online in connection with the H of F card. I've now discovered that:

'AXA purchased Financial Insurance Company Limited (FICL) and Financial Assurance Company Limited (FACL) from Genworth in September 2015'.


Is it worth going through the whole rigmarole with AXA ? Has anyone had any success going down that route?


Thanks:T

EDIT: I saw a very interesting article last night about a multi-million pound lawsuit quite recently (no idea of date but obviously since 2015) involving AXA, Genworth and Santander (pasted below):

Mis-selling
Both firms (AXA & Genworth) had been involved as underwriters in the mis-selling of PPI over a period of years, particularly on store cards.
AXA claims that, when the deal was done, Genworth agreed to pay 90% of all future PPI claims, some of which related to sales made years earlier.


However, it is alleged that Genworth reneged on the deal which caused AXA to sue for £28.5 million it claims has still not been paid over and £2.5 million it alleges Genworth received via a purchase price adjustment which was not passed on. Interest is also being claimed on both amounts.
Now Genworth is claiming that Santander is the one at fault and should therefore be responsible for paying for the PPI mis-selling.


Apparently the situation is ongoing and :

In the meantime, claimants have been experiencing considerable delays on decisions on pending cases.

Nasqueron

You complain to whoever seems to have records (Santander it seems) with your proof of complaint (e.g. if not working; NHS staff member with benefits yadda yadda) and see what they say. Ignore the underwriter nonsense, they can fight themselves in the courts, you'd only need to try them if you exhaust the complaint route.

[Deleted User]

Nasqueron wrote: »

You complain to whoever seems to have records (Santander it seems) with your proof of complaint (e.g. if not working; NHS staff member with benefits yadda yadda) and see what they say. Ignore the underwriter nonsense, they can fight themselves in the courts, you'd only need to try them if you exhaust the complaint route.

Thank you.

The problem is Santander are being less than helpful, referring me to Newday (although where they come into this I don't know except to assume that although Santander own the card portfolio Newday administer the collection of payments). Newday, on the other hand, say they are not responsible and refer me back to Santander:(. I just can't escape from this loop and that's why I wondered if the underwriter route was the only viable option.

Nasqueron

Complain to both properly (in writing) and see what they say and then go to the FOS

[Deleted User]

Nasqueron wrote: »

Complain to both properly (in writing) and see what they say and then go to the FOS

Thanks for your time and advice:T. What you suggest sounds like the best solution at the moment even if it comes to nothing. It's good to have the FOS to fall back on too. I'll leave the underwriters to squabble amongst themselves:rotfl:

McKneff

Surely pre regulation they can just tell you to go away. And isnt it the same with the FOS. ?
Happy to be corrected though

Nasqueron

McKneff wrote: »

Surely pre regulation they can just tell you to go away. And isnt it the same with the FOS. ?
Happy to be corrected though

Santander and NewDay are a bit hit and miss, they went for a period of rejecting them as pre-regulation then started paying them anyway which is all a bit bizarre

Placida

carbootcrazy wrote: »

I took out a storecard instore at a House of Fraser branch probably in the early 1990s. This account was closed during the early 2000s but I know I definitely had PPI on it and feel positive that it was mis-sold. I have no paperwork going that far back apart from a solitary storecard statement from 1998 which clearly shows the monthly PPI charge.


The card was issued by GE who were taken over by Santander. Newday was involved somewhere along the line too. I have telephoned Santander and Newday to ask where to send my PPI claim but they each direct me to other company:(. Santander sent me the numbers of 2 accounts which had PPI but these numbers bear no resemblance to the one on the old GE statement and could well be for non-related accounts. I'm very frustrated by this and am determined to see it through but am going round in circles..


I've read that if all else fails to contact the underwriter of the policy. I believe it was a company called Glenworth who underwrote these storecard policies but when I reached the Glenworth website I see it is now part of AXA. I seem to be getting further and further away from who was originally responsible for this storecard.



Does anyone know if Glenworth still exists please? If anyone has made a PPI claim against HofF and can supply details of who and where to address this to I'd be eternally grateful.



Thanks for reading. And your patience:T

See here. https://en.clp.partners.axa/claimsuk

“All aspects of mis-selling complaints relating to Payment Protection Insurance (PPI) taken out with GE Money, up to and including 14 January 2005 will now be assessed by Santander on behalf of Financial Insurance Company Limited and Financial Assurance Company Limited.! Santander should therefore be the first point of contact for all customer mis-selling complaints. Mis-selling complaints received by Santander or the Insurer since 28 July 2017 will also be assessed on this basis. You should contact Santander directly to register your complaint on the details below, or if you have any questions about existing complaints or the complaints handling process”
Hope that helps.

[Deleted User]

Placida wrote: »

See here. https://en.clp.partners.axa/claimsuk

“All aspects of mis-selling complaints relating to Payment Protection Insurance (PPI) taken out with GE Money, up to and including 14 January 2005 will now be assessed by Santander on behalf of Financial Insurance Company Limited and Financial Assurance Company Limited.! Santander should therefore be the first point of contact for all customer mis-selling complaints. Mis-selling complaints received by Santander or the Insurer since 28 July 2017 will also be assessed on this basis. You should contact Santander directly to register your complaint on the details below, or if you have any questions about existing complaints or the complaints handling process”
Hope that helps.

It certainly does help:j. Thanks so much for the link, it takes me to exactly the information I need:T. Can't think why I didn't discover it for myself:o


I've already typed the letter I'll be sending tomorrow, with a photocopy of the old original statement from H of F/ GE. I usually hate dealing with these things by phone as I usually get put through to someone who hasn't much of a clue of the procedures .


Thanks to everyone who posted in response to my query. Much appreciated:beer: