Saffy's PPI thread

[Sapphire]

Re: Saffy's PPI thread

Hiya Hell,

Nope hun she does sign herself as Karen Waring - maybe she's his daughter eh ! And please never apologise for putting your point of view hun xxxxxxxxxx

[hellhasnofury]

Re: Saffy's PPI thread

Hiya Hell,

Nope hun she does sign herself as Karen Waring - maybe she's his daughter eh ! And please never apologise for putting your point of view hun xxxxxxxxxx

Hey its either keep it in the family or keep things very quiet:tinysmile_twink_t:lol

[thephoenix]

Re: Saffy's PPI thread

There is another contact and tel numbers in the address section for MBNA

[WendyB]

Re: Saffy's PPI thread

I think I may have confused matters here, its me thats MBNA, Saffs is Debenhams, unless Debenhams is also MBNA, if you see what i mean.

Perhaps i should just keep to my own thread and not hijack yours. Sorry!

[Sapphire]

Re: Saffy's PPI thread

Got this today:

Dear Saffy:

Dorothy Perkins a/c no:
BHS a/c no:
Debenhams a/c no:

I write further to our letter dsted 19 Feb 2008. I understand your complaint is regarding Account Cover Insurance.
I can confirm that Account Cover Insurance consisting of price, payment and purchase protection was added to your Dorothy Perkins account on 13 June 2003. The Insurance was added to your BHS account on 26 April 2003 and to your Debenhams account on 9 April 2005, when we received your signed credit agreements and opened your accounts. I have enclosed a copy of the credit agreements for your reference.
I have considered the points set out inn your letters in relation to your Dorothy Perkins accounts and your BHS account, and I have detailed below our response to each of the points that you have raised.
I would like to advise that once a customer has decided to take the product, a policy summary and policy document is mailed to the customer for their review. We also offer a 30 day no-quibble guarantee where the product may be cancelled, and any premiums refunded (subject to no claim being made). This allows time to compare the policy to that of any other insurance companies.
In relation to your reference to the sales process in store, there was no requirement upon us to record the sales process and so we have no way of knowing what took place on 13 June 2003 and 26 April 2003. However, if any of the matters that you suggest took place, you would have been able to call at any time in the first 30 days and we would have removed the insurance from your accounts.
Since you opened your accounts, this insurance has been clearly shown on your statements, when a balance has been ourstanding, and could have been cancelled or a claim made at any time.
Your Account Cover wa upgraded on your BHS account in September 2003 and on your Dorothy Perks accounts in August 2003, and new Terms and Conditions would have been sent at this time.
I understand that you believe you are not covered by Account Cover Insurance, as you are self-employed. However, you are covered by the insurance as I can confirm that being self-employed does not exclude you from the main benefits of the cover.
I can find no evidence of the miss-sellig of the insurance on your Dorothy Perkins or BHS accounts, therefore I am unable to refund the premiums applied to the accounts.
However, in relation to your Debenhams account, which was sold after 2005, we issued a communication to our customers with regards to the sale of insurance. As this account falls into this category we will be refunding premiums.
I would also like to confim we will be refunding the interest applied to the account where charged on these premiums and as a gesture of goodwill we will have also applied a 'loss of cash' compensation payment at the rate of 8% per annum. The following have been credited to your Debenhams account.
The breakdown is as follows:
Premium - £37.58
Interest - £18.66
Loss of cash payment £3.79

Since the account was passed to CL Finance for collection of payments, the adjustment amounting to £60.03 has now been passed to them and they will administer the account accordingly.
As your accounts fell into arrears by more than 3 months, the insurance has been automatically cancelled on all your accounts. This is in accordance with the terms and conditions of the policies.
Whilst I appreciate that this may not be the outcome you were expecting, I trust that I have addressed all of the concerns that you raised. If you remain disatisfied with our response you may refer the complain to the Finance & Leasing Association at the details below:
FLA
Imperial House
15-19 Kingsway
London
WC2B 6UN

Yours

Kirsty Baker
Complain Resolution Officer

[Paule]

Re: Saffy's PPI thread

Since the account was passed to CL Finance for collection of payments, the adjustment amounting to £60.03 has now been passed to them and they will administer the account accordingly.

Have CL bought/been assigned the debt or are they just the DCA?

[Sapphire]

Re: Saffy's PPI thread

Not sure hun, I will CCA them, not sure if that will do any good though as they have already taken me to court and got CCJ's on them.
Anyway will get the CCA sent off tomorrow.

As you can see from the letter they have credited my Debenhams card with £60.03 so here's the totals now:

Ok just an update here's my totals:

Store Cards:

Debenhams (mine) £30.74 + int = £60.88 - THATS SETTLED AS FAR AS I'M CONCERNED.
Debenhams (his) £215.55 + int = £1,024.34
BHS £99.09 + int = £265.01
Dorothy Perkins £241.48 + int = £599.41

[Sapphire]

Re: Saffy's PPI thread

Have sent the letter so kindly written by Cetelco in post #41, as a final push rather than going down the court route, lets see how it goes from here.

[Xena]

Re: Saffy's PPI thread

Saffy, you will not get anywhere with GE Money unless it's a claim in court!

You have given them long enough - so file that claim!

You know the drill, prelim, LBA, claim

[Guest]

Re: Saffy's PPI thread

Saffy, you will not get anywhere with GE Money unless it's a claim in court!

You have given them long enough - so file that claim!

You know the drill, prelim, LBA, claim

I agree. Stop writing letters and start issuing claims, this is litigation not therapy.

[Sapphire]

Re: Saffy's PPI thread

I know, I know, but I thought I'd just give them one more chance. Go on call me stupid, soft or whatever, anyway it now gives me 14 days to get everything together and them into court we go.
Anyway to my mind, they can't say that I wasn't fair can they.

[Xena]

Re: Saffy's PPI thread

I know, I know, but I thought I'd just give them one more chance. Go on call me stupid, soft or whatever, anyway it now gives me 14 days to get everything together and them into court we go.
Anyway to my mind, they can't say that I wasn't fair can they.

Fair, do you think these companies know the meaning of the word?

[Turboman]

Re: Saffy's PPI thread

Ok Saph---lets get the show back on the road-you've let this drift hun-lets get at least fresh dead lock letters to go to the fos with or for use when the JD has finished

--post up the actual ppi policy documents from the insurers first plus summarize where we are hun

As you have found, the general assumtion that self employed are excluded from all PPI policies is totally incorrect---especially ones from Barclays Dublin Insurance arm


You don't go to court Sapphy for challenging mis-selling-----only go to court once mis-selling is accepted and then you can debate the redress given in court----but in practice Sapphy----most people go thro FOS route now----its not like 2007 bank charges where they give in on the last day before court

The main thing is ---get it going again----irrespective of waiiting for the outcome of JD

Plus---if you go to court on CI now --- you are going to need expert advice as the goal posts have moved (I believe)

[Sapphire]

Re: Saffy's PPI thread

Okies Turbs I'll have a hunt and try to dig out the policy documents.

[Turboman]

Re: Saffy's PPI thread

Okies Turbs I'll have a hunt and try to dig out the policy documents.

and don't take another 3 years