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Not much luck claiming PPI

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So I read all the advise about claiming myself and not needing a 3rd party.

I have the paperwork indicating I had 3 lots of PPI. I made the claims using the online tool but have been very disappointed with the results:
1) egg credit card - Canada Square Operations wrote to me stating I never had PPI with the account but I have a letter entitled "Confirmation of your Card Protection Plan cover" from 2001. What do I do now?

2) Debenhams store card - Santander have offered a full and final settlement of £4.57
3) Debenhams store card - Santander have offered a full and final settlement of £4.00

I am so disappointed and not sure where to go from here. I'm grateful for any experience or guidance.

Comments

  • Nasqueron
    Nasqueron Posts: 9,169 Forumite
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    CPP is not PPI, it's CPP


    See https://www.moneysavingexpert.com/reclaim/CPP-card-protection/


    2 / 3 - if you didn't spend much on the card then you wouldn't have paid much PPI, it was only charged about 70-80p per £100 of debt on the card. If you had a store card and paid the balance off in full most months then you'd not have paid more. You won't get more money simply because you want it - you need to provide proof you paid more.


    Why be disappointed? You didn't pay much PPI so you didn't lose out
  • Bermonia
    Bermonia Posts: 977 Forumite
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    As stated above you did NOT have PPI on your egg card, you had CPP and the boat has sailed on that one I’m afraid.

    Store cards were typically small limits and high interest rates - people mostly took them for the discounted purchases they would receive at the time of taking or future promotional offers, as such most had very little spent on them and any balances that were usually cleared off promptly to avoid the high interest therefore what they have offered is correct unless you have sufficient statement evidence to indicate otherwise.
  • dunstonh
    dunstonh Posts: 116,823 Forumite
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    1) egg credit card - Canada Square Operations wrote to me stating I never had PPI with the account but I have a letter entitled "Confirmation of your Card Protection Plan cover" from 2001. What do I do now?

    As mentioned above. You didnt have PPI. So, you do nothing.
    I am so disappointed
    Why?

    Most people in the UK were not missold PPI.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    DrAB wrote: »

    2) Debenhams store card - Santander have offered a full and final settlement of £4.57
    3) Debenhams store card - Santander have offered a full and final settlement of £4.00
    Don't spend it all at once :)

    Do keep in mind that you only get a refund of the amount you actually paid (plus interest), so as those amounts include interest you really did pay very little.

    The people having large amounts refunded actually already paid out large amounts. You didn't.
    DrAB wrote: »
    I am so disappointed
    The only refund you've missed out on is the Card Protection Plan (CPP) which was a minor insurance designed to protect your cards in case they were lost or stolen . The refund scheme for CPP was wound up in 2014, I'm afraid, but (once again) it won't have been a huge windfall.

    So no great loss.
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