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Santander PPI claim Rejected

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  • Nasqueron
    Nasqueron Posts: 10,664 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    lionsl2005 wrote: »
    You may well have done something but
    a) did you actually do it via a Satander member of staff?

    Yes Santander memeber of staff offered it. I think i did took the policy over the phone in the branch.

    b) was it actually PPI or a different insurance product?

    This may well as you said; life assurance, critical illness and income protection
    c) was it done at exactly the same time or a different point?
    This was offered on exact same time


    As above, you took out a policy in 2012, the bank had stopped selling PPI in 2009 so you did not have PPI


    Life assurance is not PPI, neither is critical illness, they did not sell PPI.


    The only argument you can make about these sort of insurances would be if you had no dependants (so if you died it wouldn't matter as the debt would be paid from the estate or written off) or you are immortal. Critical illness you might be able to argue against it if you had similar benefits from work e.g. a 6 month full pay NHS style one and even then it's still arguable this insurance would be worth it for after that 6 month period. You're really on a hiding to nothing here, a sale in 2012 would have been watertight with your agreement on everything

    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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