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    • Denise105
    • By Denise105 7th Oct 19, 9:35 AM
    • 23Posts
    • 6Thanks
    Denise105
    Email from Reclaim PPI
    • #1
    • 7th Oct 19, 9:35 AM
    Email from Reclaim PPI 7th Oct 19 at 9:35 AM
    Hi,

    I have had this reply from ReclaimPPI.co.uk, who we asked to check our PPI situation, back in August. Can anyone recommend what we do next? Plan to call Santander but wanted to ask here first. My husband doesn't really have store cards and didn't knowingly ask for PPI....

    Thank-you very much for any advice.


    Dear xxxxx

    Customer reference: xxxx - Santander Store Card, number xxxxxxxxx had PPI.

    Sometimes when we’re looking for PPI a lender might tell us about a type of PPI we can't usually handle with our automated systems.

    This has happened in your case - we’ve just heard from Santander that you had PPI on one or more store cards, so in this instance you may wish to talk to Santander directly about making a claim, or visit the FCA website for help and support. Please note that you will need to contact Santander as soon as possible, as Santander will only allow a limited time to make a complaint.

    You might not recall ever having a Store Card from Santander, they’re now responsible for many store cards, including Asda, B&Q, BHS, Burton, Comet, Currys, Debenhams, DFS, Dorothy Perkins, Etam, Evans, House of Fraser, Kwik Fit, Laura Ashley, Monsoon, Mothercare, New Look, Principles, River Island, Russell and Bromley, Top Shop and Wallis.

    Please note this does not affect any of your other ongoing claims - we will of course email you any major updates or you can visit our Claims Tracker for an overview of your claims.
Page 1
    • zx81
    • By zx81 7th Oct 19, 9:39 AM
    • 24,098 Posts
    • 26,810 Thanks
    zx81
    • #2
    • 7th Oct 19, 9:39 AM
    • #2
    • 7th Oct 19, 9:39 AM
    You need to speak directly to Santander.

    The claims company isn't necessarily telling you the truth about you have PPI on the store cards as that would have involved them doing some work.

    It's a good way of getting you to speak to them directly, rather than them forwarding your complaint on, while still getting their fee.

    But the only way you'll find out it is to ask.
    • SonOf
    • By SonOf 7th Oct 19, 11:02 AM
    • 1,769 Posts
    • 2,028 Thanks
    SonOf
    • #3
    • 7th Oct 19, 11:02 AM
    • #3
    • 7th Oct 19, 11:02 AM
    This means that the CMC is being lazy and passing the buck back to you.
    • Denise105
    • By Denise105 10th Oct 19, 4:03 PM
    • 23 Posts
    • 6 Thanks
    Denise105
    • #4
    • 10th Oct 19, 4:03 PM
    • #4
    • 10th Oct 19, 4:03 PM
    Hi

    Two quick questions, if any one can help?
    About my original question (above), am I able to contact Santander about this now that it is past the deadline, seen as we put the check in via the CMC before the 29th August?

    If I can speak to them directly, does anyone have any hints on what I should say? We have no recollection of the store card or the PPI.

    Denise
    • zx81
    • By zx81 10th Oct 19, 4:09 PM
    • 24,098 Posts
    • 26,810 Thanks
    zx81
    • #5
    • 10th Oct 19, 4:09 PM
    • #5
    • 10th Oct 19, 4:09 PM
    You need to find out if your complaint was actually sent to Santander first.

    If the claims company didn't do anything with it, then you're out of time.

    If it was submitted, you don't need any hints. You just tell them the truth.
    • Denise105
    • By Denise105 21st Oct 19, 4:42 PM
    • 23 Posts
    • 6 Thanks
    Denise105
    • #6
    • 21st Oct 19, 4:42 PM
    • #6
    • 21st Oct 19, 4:42 PM
    Thank-you for the replies and help with this. We called Santander and they said they could see the PPI on the account and asked if we would like us to proceed with the claim. My husband said yes. Then they said that they could see that the claim involved a third party - the CMC - they asked if we would like them to stay on the file as part of the claim. We weren’t sure. Based on what I have read here, we don’t have to pay out to them now we are managing the claim ourselves? Is this correct? Can we remove them from the claim? What would people advise? Santander said we could go back and update the details anytime. TIA
    • zx81
    • By zx81 21st Oct 19, 4:44 PM
    • 24,098 Posts
    • 26,810 Thanks
    zx81
    • #7
    • 21st Oct 19, 4:44 PM
    • #7
    • 21st Oct 19, 4:44 PM
    Based on what I have read here, we don’t have to pay out to them now we are managing the claim ourselves? Is this correct?
    Originally posted by Denise105
    No. You need to manage the complaint whether you employed a company or not, as only you know why or if you were mis sold.

    All you employed the claims company to do was to get your complaint to Santander, which they appear to have done. On that basis, you will still need to pay them their fee. But it all depends on your contract with them.
    Last edited by zx81; 21-10-2019 at 4:46 PM.
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