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Re: claiming back ppi from debenhams store card that was taken out pre 2004
Hi Angela,
Sorry, I was very busy and did not have a chance to visit my favourite forum and to post as often as I usually do.
I can see that Santander still continues to behave in familiar way. What a shame.
It is very good that our wonderful Bazza is so helpful.
So, if I understand correctly, they, Santander, cannot supply any prove that you requested PPI, but they refer to some phone conversation, without having any documented transcript or even a footprint to show that it ever took place. Is that so?
They wrote to you that they are closing your case,
Your PPI box was not ticked on the application form,
They state that you later requested it over the phone,
Does that mean that your PPI was not added from the start, but appeared later?
Firstly, what is their reason for a final rejection, is it that standard generic letter about non advised sale etc., you "would have received insurance documents", "you saw it in your statements, you could have cancelled it, but did not do it, it was optional" etc. Did they put anything else?
Secondly, what did you state originally as your ground for a complaint,
was this PPI not right for you (for instance, you could not possibly make a successful claim due to your pre-existing medical conditions or employment status etc.),
or was it unnecessary additional insurance for you, which you did not need, did not want and could not possibly want because you had other means to repay, other insurances, savings etc.?
Thirdly, was your case with general complaints department or with CEO office?
I am delighted that you decided to keep going.
Santander, in my experience, is the worst company. However, as you may know from our special Sandander thread, we eventually do win our cases. Of course, our shared experience, help and support from our members here on that forum, is a very important "tool" for a successful outcome
The support of our forum and your determination are your best allies.
They, Santander, count on you giving up. But if you keep going you will get it eventually.
Barclays is doing exactly what any bank should do, they are putting things right and correcting what was done wrong. I also had an excellent experience with Barclays.
If you have a chance, may be you could post your documents, letters from them etc., removing your personal details, and I would look at your documents and see what can be done.
You can attach them here.
I would ask you, however, to send me PM to let me know that you posted. Then I will have email with a notification and will look at your post as soon as I have a chance.
We have the same situation with Bazza. He always alerts me by PM that there is a new post for me to look.
Also, just in case, please be aware, it may take a bit of time, as I do have a lot of projects going at the moment, so I may not reply straight away. But I will with my first opportunity.
I would very much like to help, of course.
We'll be in touch soon.
Please, keep going.
Best,
Victoria x
Hi Angela,
Sorry, I was very busy and did not have a chance to visit my favourite forum and to post as often as I usually do.
I can see that Santander still continues to behave in familiar way. What a shame.
It is very good that our wonderful Bazza is so helpful.
So, if I understand correctly, they, Santander, cannot supply any prove that you requested PPI, but they refer to some phone conversation, without having any documented transcript or even a footprint to show that it ever took place. Is that so?
They wrote to you that they are closing your case,
Your PPI box was not ticked on the application form,
They state that you later requested it over the phone,
Does that mean that your PPI was not added from the start, but appeared later?
Firstly, what is their reason for a final rejection, is it that standard generic letter about non advised sale etc., you "would have received insurance documents", "you saw it in your statements, you could have cancelled it, but did not do it, it was optional" etc. Did they put anything else?
Secondly, what did you state originally as your ground for a complaint,
was this PPI not right for you (for instance, you could not possibly make a successful claim due to your pre-existing medical conditions or employment status etc.),
or was it unnecessary additional insurance for you, which you did not need, did not want and could not possibly want because you had other means to repay, other insurances, savings etc.?
Thirdly, was your case with general complaints department or with CEO office?
I am delighted that you decided to keep going.
Santander, in my experience, is the worst company. However, as you may know from our special Sandander thread, we eventually do win our cases. Of course, our shared experience, help and support from our members here on that forum, is a very important "tool"
for a successful outcome The support of our forum and your determination are your best allies.
They, Santander, count on you giving up. But if you keep going you will get it eventually.
Barclays is doing exactly what any bank should do, they are putting things right and correcting what was done wrong. I also had an excellent experience with Barclays.
If you have a chance, may be you could post your documents, letters from them etc., removing your personal details, and I would look at your documents and see what can be done.
You can attach them here.
I would ask you, however, to send me PM to let me know that you posted. Then I will have email with a notification and will look at your post as soon as I have a chance.
We have the same situation with Bazza. He always alerts me by PM that there is a new post for me to look.
Also, just in case, please be aware, it may take a bit of time, as I do have a lot of projects going at the moment, so I may not reply straight away. But I will with my first opportunity.
I would very much like to help, of course.
We'll be in touch soon.
Please, keep going.
Best,
Victoria x
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