Santander

[Deleted User]

Elaine60 wrote: »

Being unable to remember something specific is not "the truth up to a point".

I won't argue semantics, but you've (truthfully) been unable to provide specifics.

I'm afraid your complaint reason is very weak because you can't prove that you were told the insurance was compulsory in order to obtain the loan.

In the absence of any other evidence that you were mis-sold, the bank will now be investigating your eligibility, which is why they have asked for your employment details.

You may still obtain a refund, but it's by no means a cast iron certainty.

Elaine60

Thanks, that's all I'm trying to ascertain. The store card application form was not filled out in my handwriting and I'm just concerned about this claim because the my claim on the BHS card was paid out on the same basis without question by Santander. Just seems a little odd to me that they are dealing with two identical claims in different ways.

Nasqueron

Elaine60 wrote: »

Thanks, that's all I'm trying to ascertain. The store card application form was not filled out in my handwriting and I'm just concerned about this claim because the my claim on the BHS card was paid out on the same basis without question by Santander. Just seems a little odd to me that they are dealing with two identical claims in different ways.

Different store cards, different days, different processes. Perhaps the BHS one was below the limit they have on autopayments, who knows. Just provide the data you can provide and see what they come back with

Elaine60

Nasqueron wrote: »

Different store cards, different days, different processes. Perhaps the BHS one was below the limit they have on autopayments, who knows. Just provide the data you can provide and see what they come back with

FYI BHS and Debenhams had the same parent group company and same insurance company.

Elaine60

Thanks for all your help/info :-)

[Deleted User]

Elaine60 wrote: »

FYI BHS and Debenhams had the same parent group company and same insurance company.

I don't recall Debenhams and BHS ever being under the same ownership.

They both had cards issued by GE, but the sales processes within the two stores were different.

Nasqueron

Elaine60 wrote: »

FYI BHS and Debenhams had the same parent group company and same insurance company.

BHS was part of the Storehouse group (BHS, Mothercare, Habitat) from 1986 until it was bought by Phillip Green in 2000 and then became part of his retail empire under Arcadia in 2009.


Neither of the groups included Debenhams, but even if they did, the sales process and so on was different so has to be looked at differently.

KaysGranny

Hi Elaine

I currently have a ppi complaint in with Santander in relation to a storecard taken out many years ago. Santander sent me a rejection letter along with a copy of the agreement I signed on the day I took the card out & I notice that none of the handwriting on the agreement is mine either (all except the signature that is)

Im convinced the assistant got me to sign the agreement BEFORE she filled in most of the other parts and THEN she ticked the PPI box....

All the info - employment status ,form of identification provided & mothers maiden name are ALL incorrect!

Im certain I would have noticed all of these had they been on the agreement when it was passed to me to sign.

Im in the process of fighting the rejection and if unsuccesful I plan to take it further

-taff

So in essence, you are saying that you signed a blank form without filling it in...

Nasqueron

KaysGranny wrote: »

Hi Elaine

I currently have a ppi complaint in with Santander in relation to a storecard taken out many years ago. Santander sent me a rejection letter along with a copy of the agreement I signed on the day I took the card out & I notice that none of the handwriting on the agreement is mine either (all except the signature that is)

Im convinced the assistant got me to sign the agreement BEFORE she filled in most of the other parts and THEN she ticked the PPI box....

All the info - employment status ,form of identification provided & mothers maiden name are ALL incorrect!

Im certain I would have noticed all of these had they been on the agreement when it was passed to me to sign.

Im in the process of fighting the rejection and if unsuccesful I plan to take it further

It was a common practice for staff selling store cards to fill in the form for customers and you just signed it. One of two things happened:


1) You signed the form agreeing to all the stuff on there, knowing it was false i.e. you committed fraud
2) You signed a blank form with the agreement that the staff member would do it for you (which is just ludicrously stupid)


If 1), you're opening yourself up for fraud charges if you admit to knowingly signing up to the card with false information


If 2), you're suggesting you got the card and never read any of the statements to see what they signed you up for which isn't miss-selling it's just poor financial behaviour