Where do I start please - Debenhams card PPI reclaim

[ims21]

If it were me I'd challenge them first

[jummibear]

ok thanks,

think she said refused due to the amount of time elapsed on other 3 (all 1998)

whereas the bhs was 2007 altho we had a bad line so not certain.

Isnt this where they send you to underwriters etc?

[jummibear]

well, got the elusive 'no' paperwork through yesterday.

 

Doesnt mention the fact that somebody else signed the box,

just says that paperwork would have been sent,

I had 30 days to cancel & that it has been clearly showing on my statements so could have cancelled at any time

(altho when I tried to cancel at least twice, I was told on the phone that they couldnt as it was nothing to do with them!).

Therefore their final decision is no mis-sale.

 

This is on 3 of the accounts.

One (which I did sign - in a hurry & just signed where the sales assistant put crosses),

they have upheld for the grand sum of £25.68 (including interest).

 

As it says their final response, does it mean I cant challenge them directly now?

[ims21]

You can always challenge them if you wish.

 

If you do not wish to challenge them yourself then you can pass it over to fos

[jummibear]

Thanks, think I will try to challenge first, nothing to lose! Any advice on how best to word a response please?

[ims21]

Just compose your own letter going through each point you wish to challenge and tell them why you don't agree.

[jummibear]

ok thanks, will get onto that today.

 

Pity majority of our claims are credit cards as I assume I will have the same response from all of them!

 

Truth is, (thick as it may sound),

 

I really didnt know what it was or that it was optional.

 

The saleswoman said that 'the card comes with price promise guarantee, so if you buy something & it goes down in the sale, they will give you the difference'.

No other info, or that it was optional; she ticked & signed the box.

 

Thus when I was made redundant a few months later I didnt claim as didnt know I could!

[dx100uk]

at the end of the day just put down the cards applications were filed out by shop staff

you were told you had to have the PPI or no 'discounted' interest rate or cheap goods.

 

keep it simple.

 

dx

[jummibear]

do I give them a time limit to respond to this letter or are they likely to just ignore it anyway as they have given their final response?

[dx100uk]

they think they can faf you off with the no paperwork their way excuse

 

they CANNOT!!

 

they know full well the FOS will demand they cough up.

 

make sure they have had [or why not repost the lot]

 

SOC+FOS CQ+agreement copy +new reply letter

 

dx

[jummibear]

Had a response to my dispute letter, they have given their final response & will not enter into any more communication with me! Says to refer to FOS if I want but remember that because my application was in 1998, they were not regulated. Does this mean it's a waste of time doing it and this is the end of the road?