Old Stores cards Debenhams/River Island GE Capital now Santander

[zara_goza]

Hi there,

 

I hope someone can help me with these cases.

 

When I was young and naive I got offered in the Debenhams and River Island store cards under the premise of extra discounts so I signed up in the stores. I was obviusly not advise of PPI, nor did I know what it was, and obviously charge for it. I do not remember in any case the mention of PPI, just the offered extra discounts and offers, and even the store-assistant filling the form for me, and putting crosses where to sign, her going to make a phone call and having an answer there and then.

 

A few years later and when I started to go into difficulties, such as redundancy, over-spending and so on, I started to look more careful into my outgoings and with the publicity of the mis-sold PPI then I realised that the extra charge in my statements wasn't interest for the card, it was the PPI. So I called to cancelled both I think. As I did with all the rest of cards.

 

anyway I did try to claim back the PPI to Ge Capital that fobbed me off and I thought that was it. Until a few weeks back when suddenly I've got through the post same letter, different references for these 2 cards, saying that I may have been mis-sold the PPI and that if I wanted they could re-view my complaint. So I filled the form, stating that what I said before, no knowledge of PPI to be put on top, sale-assistant not mentioned to me, nothing about being able to cancelled, and so on.

 

I post the letters form back and a few weeks later I've got a phone call asking details about jobs, and so on, to be honest it was quite difficult to understand the person on the phone and I am not sure she knew what I was saying, bad line. Also as the cards were obtain ages ago, I couldn;t remember well in which jobs I was, dates and so on. (this was in the Debenhams card)

 

I also had another call for the for the River Island one, and as it was not suitable then, I asked them to call me later, which they did, but I couldn't reply and they didn't left a number where to contacting them back. So a week later and I've got 2 letters, the same one with different references, saying the the sales-assistant was not obligated to mention the PPI in those dates and that I received all the information by post regarding what it was covered, and so on, so my fault not to read the small letter pretty much.

 

They did included copies on both of the credit agreement, the, Debenhams, and where I spend more, I do have it signed i both bits the credit agreement itself and the PPI, but they are X marks on both bits done my the sales assistant. So not sure how to proceed there, I still think I was mis-sold the insurance as I didn't know about it. Ok, well enough that they sent me paperwork, saying that, I did moved home in the short period between the card being activated so I may not have received all the paperwork necessary.

 

The second one, it is more interesting, the Credit agreetment is not signed, just the PPI cover, so I think I've got more chances here to go for them, as I believe that it is inforceable in a court room if I'm correct and it probes that the PPI was mis-sold. Basically the sales-assistant didn't know what she was doing.

 

What do I do now. I did managed to recover some PPI from other credit cards, but these two seem to be more hard work than the the big ones.

 

Thanks in advance,

 

Zara_goza

[dx100uk]

that's because its ge money

they never cough on anything.

 

 

when were the cards taken out please

if prior to 2005 then might be problematic

 

 

dx

[zara_goza]

Yes they are before 2005, one I'm sure was 2001 and 2002.

[dx100uk]

if they hadn't repied I'd say theres not much hope as the whole thing was unregulated then

but, as they've used the std response of, we sent you booklets, statements, you had 30 days etc you didn't cancel, pers I think it leaves them open to the pre ticked shop assistant button-holed reason.

it was for pers gain by the assistant via a secret commission they got for every one they signed up.

 

 

can you scan the GE reply up please

follow the upload

 

 

use a multipage word doc method

 

 

dx

[zara_goza]

Thanks for your answer,

 

This is the letter that I received in both ocassions, just different signatories and references, but the same. Both included a copy of the credit agreement. In this one in particular they included the Terms and conditions, photocopied. As you can see the, agreement itseft was not signed, just the part of the PPI.

 

I am at work at the moment and the other one is at home, so I won't be able to scan the other letter and agreemen, until probably Monday.

[dx100uk]

you need to remove all pers details and ref numbers

unapproved

 

 

dx

[dx100uk]

it appears you sent them a questionnaire

was this the FOS one?

 

 

its also appears you used the scattergun approach, listing numerous reasons why the PPI was missold?

rather than one important reason, like the shop assistant ticked all the boxes, gave little 'x' here here and here , said sign at the marks?

dx

[zara_goza]

Right, it there a way I can win this, for example if I reference that the assistant put X here, there, and there and that you can see the agreement itself is not being signed, just the PPI?

[dx100uk]

http://www.fsa.gov.uk/pages/library/Communication/PR/2007/015.shtml

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?370837-GE-Money-PPI-claim&p=4034226#post4034226

 

 

http://www.which.co.uk/news/2007/01/record-fine-for-store-card-insurance-breaches-107816

[zara_goza]

Thanks, I do remember the fine to GE Capital, that was my original complaints about and how I got to know about PPI in my store cards and credit cards. I originally complained with a letter template I think from here, but I was fobbed off. Now GE Capital sold the business to Santander, who are now reviewing the complaints and it seems, I may have done something wrong filling the questionary, and also that they are using similar tactics to the original owners.

 

I'll see how I turn the tables around.

 

Thanks for that.