PPI claims - could do with a bit of advice

[tjperfick]

I have has some financial problems in the past, last year went on a DMP and gave me some breathing space for a while. Received a letter from CPP re a policy I had in the past. This got me thinking about what elso I had had in the past. Started off with a speculative letter to an old store card which had been closed for about 2 years. 1 Phone call and 1 letter later I received a cheque for just over £3K back. Alll within 3 weeks. This got me going and I sent SAR's off to catalogues and other credit card companies I had. Barclaycard was the first one that I sent the form into and got back quite a substantial amount of money - in fact enough to more than pay of my debts and put some aside.
Once all my debt were settled I started looking at my catalogues and sent of SAR's to them. This is where I have got to a bit of a quandry. I have apparently had extra care insurance on them (one since 1993 & the other 1998). I cannot express how shocked and embarrassed I am about this. I am now going to fill in these forms. I vaguely remeber thinking at some point in the past that this was an insurance to protect purchases against loss, damage etc.
Now I know people will say that I should have noticed it on my statements, but sometimes when you buy things every item is itemised on the statement and there could be 3 or 4 pages to go through and sometimes I just flicked to the summary of what to pay and when.
I have also got a couple of queries on other claims going at the moment but,would appreciate any advice you could give on how to approach these first two.
Sorry for the long rambling post!!
cheers

[ken100464]

Re: PPI claims - could do with a bit of advice

Hi tjperfick

Di30 is the expert at these and am sure she will be along but I will bump this post for you.

Which catologues were they. Am sure a couple of posters have had success with Littlewoods. But not sure they went so far back as yours. You say you have SAR's.? For these two accounts? If you do how far does the data seem to go back. Do you have anything resembling a CCA/application form?

Those questions will do for now am sure Di30 will ask more.

Good luck

[tjperfick]

Re: PPI claims - could do with a bit of advice

Hi I have data going going back 6 years for them both and the ppi for this period alone is nearly £7K between them. The catalogues are very and kays. I don't have a cca/application form, but do remember not signing anything for them when I opened the accounts.

[ken100464]

Re: PPI claims - could do with a bit of advice

Well thats good you have proof its/was there.

Now its working out the best way to try and get it back. In your SAR is it just statements or is there a communication Log? Any other sort of screenshots or other internal coms/totally random information that doesnt really make much sense?

[tjperfick]

Re: PPI claims - could do with a bit of advice

Thanks for this, there is some stuff there with dates the account was passed to dca, orders, payments etc. The account has now been paid off and the balance is zero. To be honest I don't recall it being on both catalogues which is why I am so shocked that I have been paying it for the last 20+ years for one of them.

[di30]

Re: PPI claims - could do with a bit of advice

I have has some financial problems in the past, last year went on a DMP and gave me some breathing space for a while. Received a letter from CPP re a policy I had in the past. This got me thinking about what elso I had had in the past. Started off with a speculative letter to an old store card which had been closed for about 2 years. 1 Phone call and 1 letter later I received a cheque for just over £3K back. Alll within 3 weeks. This got me going and I sent SAR's off to catalogues and other credit card companies I had. Barclaycard was the first one that I sent the form into and got back quite a substantial amount of money - in fact enough to more than pay of my debts and put some aside.
Once all my debt were settled I started looking at my catalogues and sent of SAR's to them. This is where I have got to a bit of a quandry. I have apparently had extra care insurance on them (one since 1993 & the other 1998). I cannot express how shocked and embarrassed I am about this. I am now going to fill in these forms. I vaguely remeber thinking at some point in the past that this was an insurance to protect purchases against loss, damage etc.
Now I know people will say that I should have noticed it on my statements, but sometimes when you buy things every item is itemised on the statement and there could be 3 or 4 pages to go through and sometimes I just flicked to the summary of what to pay and when.
I have also got a couple of queries on other claims going at the moment but,would appreciate any advice you could give on how to approach these first two.
Sorry for the long rambling post!!
cheers

Hi there tjperfick
Cheers Ken

First of all well done on all of your wins, you have done fab!

Myself and some others here have been successful via the catalogue.
I will check on this but understand some catalogues have come together under one umbrella, but I shall make sure.

If its the same account cover care, it may have had cover for unemployment and sickness also, but just for the account holder.
With myself when I held a catalogue, I was a home carer but yet they applied the cover without my permission, my hubby was employed but the cover would not include him, so if he became unemployed I could not put in a claim.

If like any other cover it was not fully suited to you, then you have the right to ask for a refund for all premiums you paid.
Usually the cat company send you their own complaint form, they are a little different to the usual ppi complaint forms provided by banks ppi reclaim forms.

Some contact details here:
http://www.kandco.com/help/en/contact-us.page
You could ask them to send you a complaints form in regards of the account cover,or put it in letter, but even by writing to them by letter they may still send the complaints form in the post.
Or if you have the account number of the catalogue, ask them to provide you with details of the cover you held, they should send these on request,but my feeling is that the cover would be the same as the one I had, that also included insurance.

If they gave you no option but just applied it, you tell them that.
Can you remember your employment status when you taken this out?

[di30]

Re: PPI claims - could do with a bit of advice

..........Also check out this thread here;
http://forums.all-about-debt.co.uk/s...care-insurance

[di30]

Re: PPI claims - could do with a bit of advice

And here (my own thread)

http://forums.all-about-debt.co.uk/s...-500-insurance

[cymruambyth]

Re: PPI claims - could do with a bit of advice

Hi, you need to be persistent and go to the CEOs office, but it is worth fighting. My Littlewoods Extra Care ended in 2005 but I managed to eventually get a successful outcome.

[tjperfick]

Re: PPI claims - could do with a bit of advice

Thanks for this, Di I was employed in 1993, when the first was applied, but when the second one was I was on maternity leave. I have got the catalogues own ppi form in the post last week and I am unsure what to put in them. I want to word it just right to give me the best chance of getting my premiums back. I can honestly say I don't remember agreeing or asking for it. In the circumstances at the time I was working for my parents so felt that my employment was pretty secure!
I have also got another claim that has been knocked back with a mothercare store card. Santander cards have refused, so am I right in thinking that I can go to the underwriter (Genworth - I think from reading these forums)?
Thanks for all the help.

[cymruambyth]

Re: PPI claims - could do with a bit of advice

Santander, yes go to the underwriter, it's another battle that is worth fighting.

your best bet with wording is to either post it up here or PM it to Di.

you will need to emphasis your job security, savings and the fact that you did not need it; stress that you did not need or request the policy. Did you have any underlying health problems?

i know you have already had success, but the older catalogues appear to be more bloody minded!

[ken100464]

Re: PPI claims - could do with a bit of advice

Agree with cyn the scorecards pre 2005 are not easy.

[di30]

Re: PPI claims - could do with a bit of advice

Hiya

Genworth was my underwriter for my account via curry's, in regards of the catalogue I write directly to them, It may have been on my thread of maybe Cym's thread I posted contact details via the catalogue.

We may have had different underwriters under Santander as they changed through the years, so with mine being a curry's account, it was Cap one, and Santander deal with it at first, they rejected then they informed me of the underwriter, they MUST provide you the underwriter/insurer details on request, once you have them, let me know and I can send you a letter I sent to mine, it maybe however Genworth but do check with Santander first and we can move on from there.

[tjperfick]

Re: PPI claims - could do with a bit of advice

Thanks for this. I already know that Genworth are the underwriters for the card.

[tjperfick]

Re: PPI claims - could do with a bit of advice

I am a bit unsure of how to fill in the forms that shop direct have sent me. I feel really stupid saying that I didn't know that the insurance that was on my accounts was somehting that I didn't even want.