Debenhams/G E Capital/Santander - PPI claim problem...

[Exreadingboy]

Hi folks

This is my first post on this forum, so sorry if this topic has already been raised here before and/or is in the wrong place.

 

My ex wife and I separated back in August 2006 but

 

having recently gone through a load of old paperwork, we found old store card statements relating to a Debenhams account from that time.

 

These had payments on them for 'Account Cover.'

 

As the account was in my ex's name she made a PPI claim on Santander (who now seem to be responsible for this).

Her claim was that she was self employed at the time (she still is) at the card/protection was taken out and some of the cover provided was useless to her.

 

They replied that, yes, the account did have cover for price payment and purchase protection

but since the premium was clearly stated on the monthly statement breakdown it was up to her to cancel it.

Santander's response goes on to say that her being self employed did not exclude the main benefits of the cover.

 

Can any one please clarify whether Santander's response is a suitable defence. It sounds suspect to me.

 

For example, I remember us signing up for the Debs card and the PPI was never discussed,

we were never told it was optional and just assumed it was part of the terms and conditions for getting the card in the first place.

And my ex's employment was definitely never discussed, as she'd have responded accordingly, having run her own business for yonks.

 

Any guidance you can provide will be gratefully rec'd.

 

Incidentally, our paperwork search threw up an old (pre-2006) Marks & Spencer store card with payment protection on it.

 

As this account was in my name I approached M&S Bank with a claim.

 

In contrast to Santander, they could not have been more helpful and I'm just waiting for an offer from them.

 

And the situation with M&S is exactly the same as with Debenhams/G E Capital/Santander,

in that I was and still am self employed and the PPI was never discussed

- which formed the basis of my claim.

 

As I said, any help gratefully rec'd.

 

Thanks in advance good people.

 

Kevin

[dx100uk]

ii'd be getting an sar off to each

 

unless you have all the statements?

 

else you'll never know if the reclaims are correctly valued.

 

as for satans bank

 

the only way the you could have claimed on the PPI

being self employed is if you closed the business and stopped trading [tax wise]

 

and fwd those to them.

 

and in most cases this is not possible.

 

in a nutshell they are fobbing you off

 

sadly that's what most get by simply sending a speculative letter after a reclaim.

 

ideally you should always atleast fill in and send the FOS questionnaire

on PPI reclaims

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html