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0333 443 2500

Store Card PPI Claims

store card ppi
Did you have PPI on your Store Cards?

Retail store card PPI

There is nothing more enjoyable for Brits than a spot retail therapy and to fund this many thousands of consumers took out store cards from high street retailers such as Debenhams, Top shop, Next or Mothercare as far back as the 1980s to early 2000. During this period most retailers sold PPI with their store cards either without the customer full knowledge or didn’t adequately check their suitability for this type of insurance. This has meant that many thousands of consumers could be entitled to compensation for mis-sold PPI in the wake of the biggest misselling scandal to hit UK financial services industry.

Store cards were a very lucrative option for the high street stores. They were sold for those who were either unwilling or unable to pay for their products in one go and made a profit through those who failed to pay off the entirety of the balance each month enacting interest charges of between 18 and 30 per cent. At their height, many thousands of store cards were sold with PPI often added to the equation.

Consumers who took out these store cards as long ago as the 1980s are unaware that they could be entitled to payouts.

Regulations were introduced in 2011 and since then store cards are nowhere near as prevalent in society. In these regulations, the government banned upfront discounts and commission being added to store cards, and enforced a seven-day cooling off period after any store card sale.

Store Card Retailers who sold PPI

If you took out a store card before December 2011, you may be entitled to claim PPI compensation. Please see the list below of store card by retailer and how PPI was mis-sold by retailers. If you have a PPI complaint or want to check if you were mis-sold PPI by a retailer, please complete our simple FREE PPI Check** form or call 0333 443 2500. 

Asda Store Card PPI Claim

BHS Store Card PPI Claim

B&Q Store Card PPI Claim

Burton Store Card PPI Claim

Debenhams Store Card PPI Claim

Dorothy Perkins Store Card PPI Claim

Evans Store Card PPI Claim

Fenwick Store Card PPI Claim

Halfords Store Card PPI Claim

House of Fraser Store Card PPI Claim

Laura Ashley Store Card PPI Claim

Miss Selfridge Store Card PPI Claim

Mothercare Store Card PPI Claim

Next Store Card PPI Claim

Outfit Store Card PPI Claim

River Island Store Card PPI Claim

Topman Store Card PPI Claim

Topshop Store Card PPI Claim

Toys R Us Store Card PPI Claim

Wallis Store Card PPI Claim

Making a PPI store card complaint

If you believe that you have been mis-sold PPI, you should make a complaint to the company that sold you the initial product. However, you will need to find out and complain to the provider of the card, not the store that used them.

If your complaint is rejected, it can be referred to the Financial Ombudsman Service (FOS), who have the power to overturn this rejection.

However, there is a small issue with this, as the FOS has no power to deal with complaints made against Santander UK for PPI sold before 14 January 2005.

Why can’t I complain about mis-sold PPI claim to the FOS?

Many store cards operated through a company called GE Money, which was then bought out by Santander UK.

However, the Ombudsman is unable to consider PPI complaints rejected by Santander UK on store cards sold before 14 January 2005.

Jon Platt, founder of claims management firm JMP Partnership, explained that the Ombudsman does not always have the jurisdiction to consider rejected PPI complaints.

“Historic store card complaints will often be rejected by Santander UK, which has been by far the largest provider of store card credit after it took over GE Capital.

“What many consumers don’t realise is that the Ombudsman will only look at complaints attached to certain firms from certain dates.”

How can you fix this?

Luckily, there is an alternative option: write to the underwriter who had responsibility for ensuring PPI was appropriate for you at the time.

Any store cards sold by GE Money before the cut-off point in January 2005 were underwritten by Genworth Financial Insurance, which still exists. If you take your complaint to them, they are obligated to consider it again.

This company is under the jurisdiction of the FOS for any complaints dating back to the 1980s.
Platt explained: “There is an agency relationship here which makes Genworth responsible for all the misdeeds of Santander UK, as it is long-standing member of the General Insurance Standards Council.”

Genworth may decide to reject your complaint, but you can then refer this to the FOS. Platt says he has seen many cases where Santander UK has decided to reverse its decision after a complaint was made to Genworth.

What Santander UK says

A spokesperson for Santander UK said that it did not make its decisions based on if they could be referred to the FOS, and denied that Genworth had any impact on their choice to reverse decisions in the past.

But he did say the complaints were eventually deemed to be valid: “In both instances the cases were re-reviewed leading to these complaints being upheld.”

He added: “If a customer or their representative responds to us challenging our initial decisions, and we do provide opportunity for complainants to come back to us if they feel there is new information or we have overlooked anything, then we will always take the opportunity to review the full circumstances of the case again to ensure we have reached the right outcome.

“In a small number of cases, such as these this can result in us changing our original decision.”

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PPI Claims for Deceased Persons

Deceased Persons

If a PPI policyholder is deceased, any money owed to them becomes part of their estate, so whoever inherits the estate is entitled to make a PPI reclaim. This can be done by an executor or the person appointed to carry out their wishes after death. We automatically assume that reclaiming mis-sold Payment Protection Insurance (PPI) for deceased parents and grandparents may not be possible due to the passage of time.

However, the truth of the matter is it is quite straight forward to make a successful claim for mis-sold PPI for someone who is deceased.

To reclaim mis-sold PPI start with a FREE PPI check** with us today.


Did you have a Loan from Barclays, LLoyds, RBS, Yorkshire Bank, Tesco, HBOS, MBNA or Halifax between 1988 - 2014 ?

We have successfully reclaimed Mis-sold PPI refunds for thousands of people!

Get a FREE PPI Check** Multiple Lender Check All Banks and Lenders Covered GET A FREE PPI CHECK** TODAY

Armed Forces Personnel & PPI

Armed Forces PPI

Armed forces personnel have cover for sickness, accident & unemployment built into their salaries. This protection means that if a member of the armed forces was unable to work due to one of these reasons, they would still be able to meet any mortgage, loan or credit card repayments they had. So any PPI insurance policies would NOT have been appropriate. To find out if you can reclaim for mis-sold PPI, start a FREE PPI check** with us today.

UK Expats & Non-British Nationals

Expat PPI Claim

Did you have a loan, credit card or mortgage in the UK between 1988 and 2014? As a British Expat or Non-UK National who has lived in the UK for a long period, it is likely that finances were arranged while you were a resident in Britain. This may include loans, mortgages or credit cards and, even though you are no longer living in the country you can still claim mis-sold PPI. You could be eligible to claim for mis-sold PPI!

Public Sector Workers PPI Claim

Public Sector PPI

For many public sector workers, the Payment Protection Insurance (PPI) they were sold was useless. However, for some of these workers it would not have been useless, depending on the policy type and cover it provided them with.

If you had PPI and it provided you with extra cover that hadn’t been included in your employment contract, then it may have been useful for you.

Business PPI Check and Claims

Business PPI Claims - Mis-sold Payment Protection Insurance

Business PPI - Like most consumer PPI policies, business PPI also know as commercial PPI was sold alongside secured and unsecured loans, overdrafts, credit cards and mortgages. Business Loan Repayment Insurance is a type of insurance policy sold alongside commercial loans, including Fixed Rate Loans, Variable Rate Loans and Treasury Loans. If you had a commercial or business loan between 1988 and 2014 you may be eligible for a PPI refund. Start a Free Business PPI Check and find out if you have mis-sold PPI to reclaim.