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I say yes, they say no...
Comments
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Nasqueron & Bermonia, I'm not sure if you are speaking from your own experience or if not what your sources are, but I can assure you that PPI has been around since long before the 1980's, as confirmed in this article which, by the way, makes amusing reading and certainly gives an alternative take on the whole PPI debacle.
https://www.hendersonchambers.co.uk/2014/01/22/consumer-credit-column-may-2012/
But it matters little and is certainly not worth arguing over
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Nasqueron & Bermonia, I'm not sure if you are speaking from your own experience or if not what your sources are, but I can assure you that PPI has been around since long before the 1980's, as confirmed in this article which, by the way, makes amusing reading and certainly gives an alternative take on the whole PPI debacle.
https://www.hendersonchambers.co.uk/2014/01/22/consumer-credit-column-may-2012/
But it matters little and is certainly not worth arguing over
Nothing I said disagrees with that - it was around in the 1980s but not widespread until late 1980s and 1990sSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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While I would normally agree with you, my partners experience with her store card suggests otherwise.
She definitely had payment protection added each month. It was added without discussion and she assumed it was mandatory. When she applied, they stated that she did not have payment protection.0 -
The message below was referring to zx81 comments. For some reason, the forum isn’t letting me quote posts on my iPhone.0
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@Brock
I strongly suspect it was indeed the TSB (the Bingley branch in case you’re interested). It was definitely applied, although I agree with your comments about it being less miss-sold then, and the stigma of debt.0 -
@Brock
I strongly suspect it was indeed the TSB (the Bingley branch in case you’re interested). It was definitely applied, although I agree with your comments about it being less miss-sold then, and the stigma of debt.
You said your partner had a store card? Or was it a credit card?
If your partner didn't want it they could simply have said noSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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@Nasqueron (apologies, I can’t quote your post).
My partner was offered a store card/credit. She accepted one. When she started using it, she noticed that they were applying a monthly payment protection premium every month. This had never been mentioned or discussed, and she assumed it was mandatory.
When PPI etc came to the fore, she contacted them, as she felt that adding PPI or similar without discussion or agreement was mid-selling. They then said that she had never paid this.
She did. So why they claimed otherwise is beyond me.0 -
Can I ask what an ISAR is please.0
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@Nasqueron (apologies, I can’t quote your post).
My partner was offered a store card/credit. She accepted one. When she started using it, she noticed that they were applying a monthly payment protection premium every month. This had never been mentioned or discussed, and she assumed it was mandatory.
When PPI etc came to the fore, she contacted them, as she felt that adding PPI or similar without discussion or agreement was mid-selling. They then said that she had never paid this.
She did. So why they claimed otherwise is beyond me.
She noticed the charge - so she knew about it. Why didn't she ask instead of assuming?
It was mentioned and discussed, your partner would have signed for it. It's not unusual to forget these things after 40 years.
It's also not unusual to not have records so long after the event so the bank may not have known she did hence their statement.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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A Subject Access Request (SAR) is simply a request by you for the bank to provide all information (if any) they have kept on file for you.Can I ask what an SAR is please.
Since they've already informed you that they have no record of PPI paid by you, it's likely to be a fruitless search which returns nothing new. Still, nothing ventured......
Incidentally, it's a myth, sponsored by Claim Companies, that PPI was simply added without the knowledge and agreement of the customer. If you had it on this card, it just means that you didn't read the application form you signed. This is borne out by your later assumption that the PPI was mandatory when the signed application form would have detailed that it was not compulsory.
So, in the unlikely event your SAR letter does turn up any PPI, you should look for a far more compelling mis-selling complaint than you have detailed in this thread.0
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