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FREE PPI CHECK *

PPI CLAIMS DEADLINE
29th Aug 2019

House of Fraser Store Cards PPI Check

House of Fraser PPI

What is House of Fraser store card PPI?

House of Fraser payment protection insurance (PPI) may also be known as credit insurance, credit protection or loan repayment insurance among other terms on your documentation.

PPI is an insurance that helps someone who has taken out any form of finance to meet their repayments if they become sick, injured or redundant.

There is often confusion between PPI and income protection insurance. The two products are very different. PPI is a short-term policy, usually 12 months, sold with a loan and other credit products. This gives the borrower time to look for a new job or to return to work, if appropriate. Successful PPI payouts are made directly to the loan provider, not the policyholder.

On the other hand income protection insurance covers 70% of the policyholder’s income if they are unable to work due to an accident or sickness. This protection is long-term and can cover the policyholder until retirement if they are unable to work again.

House of Fraser sold many PPI policies that were added to loans, credit/store cards, mortgages or overdrafts.

Was House of Fraser PPI mis-sold?

House of Fraser PPI was added to some customers’ loans without their knowledge. Other borrowers say that House of Fraser told them their loan, mortgage or credit application may not be approved if they didn’t have House of Fraser PPI. This resulted in borrowers taking out House of Fraser PPI to avoid losing the deal, regardless of if they needed the policy or not.

Could you have been mis-sold PPI by House of Fraser?

If any of the following situations occurred at the point of sale, you may have been mis-sold PPI by House of Fraser:

    • At the time House of Fraser sold you the PPI policy, were you unemployed, self-employed or retired?
      • If you were unemployed, self-employed or retired when House of Fraser sold you your PPI policy, you would not have been covered so would not have received any benefit from it.
    • Were you aware House of Fraser had added PPI to your agreement?
      • If you unaware House of Fraser had added PPI to your agreement, it was done without your consent. Alternatively it could have been an opt-out box that wasn’t clearly visible.
    • Were you told what the total cost of House of Fraser PPI was at the time of sale?
      • House of Fraser should have explained all costings relating to the PPI. This will be a major mis-selling factor if it wasn’t done.
    • Did House of Fraser make it known that some of the PPI premium may have been paid as commission?
      • If more than 50% of your PPI premium was paid as commission to House of Fraser, this is classed as high commission under the Plevin rule. You were mis-sold and due a PPI refund.
    • Was it made clear to you by House of Fraser that you could cancel the PPI policy?
      • House of Fraser should have notified you of your right to cancel the PPI policy within the cooling off period.
    • Did House of Fraser bring to your attention any of the circumstances or exclusions where you would not be successful in making a claim?
      • If House of Fraser had not made clear any exclusions or circumstances that would prevent you from claiming, you may have been mis-sold House of Fraser PPI policy.
    • Did House of Fraser check to see if you had other PPI arrangements that would cover repayments?
      • House of Fraser has a responsibility to find out if you had sufficient PPI cover elsewhere.
    • Was there any pressure by House of Fraser into purchasing the PPI policy?
      • House of Fraser should have looked at your personal situation to assess if you would benefit from having PPI without any pressure or hard-sell.
    • When taking out the PPI policy with House of Fraser, did you have any pre-existing medical conditions at that time?
      • If this was the case and you could not have worked for the duration of the House of Fraser PPI term, you would not be covered by the House of Fraser PPI policy.
    • Was it inferred to you that House of Fraser PPI was necessary to get the finance?
      • If the finance sought was such that required a PPI policy, House of Fraser should have let you know that you could shop around to find and compare PPI cover or if you already had PPI in place, House of Fraser should not have sold you their PPI policy.
    • Did House of Fraser PPI have an upper age limit, if so, were you older than it?
      • If House of Fraser PPI specified an age limit for cover and you were older than this, you would not be covered by the policy.
    • What was the term of House of Fraser PPI, was it was less than the term of finance agreement? Also, did House of Fraser advise that there would also be a period of no cover towards the end of the finance agreement?
      • If House of Fraser didn’t explain that you would have a period of no protection during the term of the finance agreement, your House of Fraser PPI policy was mis-sold to you.

If you have a loan, credit card, store card, catalogue account, car finance or mortgage between 1988-2011?

You may have been Mis-Sold PPI

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You Could be Due a PPI Refund!

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What you could claim from House of Fraser

If your claim against House of Fraser is upheld, you may receive a full refund of PPI paid to House of Fraser, this includes any interest charged on the PPI. Statutory interest of 8% per year is also payable on the premiums and any interest charged.

How to lodge a PPI complaint with House of Fraser?

A deadline of 29 August 2019 has been set by The Financial Conduct Authority (FCA), by which time all PPI complaints will need to have been submitted. After which time, customers will lose the right to have their complaint assessed by us, or the Financial Ombudsman Service.

If you have been sent a letter from House of Fraser outlining potential concerns about the way PPI may have been sold to you, you may have less time. It is important to act as soon as possible.

Please be assured, when checking or complaining about PPI to House of Fraser, your relationship with, or your credit score will not be adversely affected.

If you have a concern about how your PPI Policy was sold, contact us directly to discuss and start your check PPI for FREE.

We understand consumers may require different levels of assistance and are committed to making your check PPI** and claim process as straightforward as possible. Our process is designed to make it as easy as possible for anyone wishing to make a complaint.

We’d like to discuss the details of your case with you so your complaint can be lodged as quickly as possible with House of Fraser to find out if you had any PPI charges on your loan or finance agreement.

If you had a loan, Credit Card, Store Card, car finance, Mortgage or a catalogue account between 1988 - 2014?

You May Be Owed £1000's

Let Us Find Out if You've were also sold PPI with our FREE PPI Check* Service

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FREE PPI CHECK* FORM

PPI Check Process Steps

1. We call you to start your PPI Check & Complete Forms

For us to proceed with your FREE PPI Check**, we will need to speak with you to confirm some details, including your FULL NAME, DATE OF BIRTH, and ADDRESS DETAILS (CURRENT AND PREVIOUS). We will also discuss which lenders we can investigate for you.

Once we have set up your PPI Check, we will post forms out for you to read, sign and return to us. You can call us on 0333 443 2500 if you notice any details need changing.

2. You Sign, Date Documents & FREEPOST Back to Us

Sign and date the forms and return to us in the free post envelope provided – no stamp required!

3. Your PPI Check(s) are Registered with Lender(s)

We register your PPI check with your lender.

On average, a response will be issued within 6 weeks from your PPI information check being sent to your lender, although timeframes vary dependent upon the lender.

4. The Lender(s) Locate & Verify Account Information

If your lender cannot locate you or requires verification in order to release details, we will be in contact to obtain some further details of you in order for us to return them to complete the check.

5. Account(s) & PPI Status Confirmed by Lender(s)

Once you have been located/verified, your lender will return to us with confirmation of all accounts you have held with them for as far back as their records go. They will also confirm the PPI status of each account.

6. PPI Check Outcome(s) & Options Are Discussed With You

  • If you have not paid PPI, we will contact you to advise you of the same.
  • If your lender is unable to confirm whether PPI is on a particular account – we will contact you to advise you of your options moving forward on the possibility of presenting your claim for your refund.
  • If PPI is located on your account – we will again contact you to advise you of your options moving forward on presenting your claim for a refund.

  • A Special Note For Multiple PPI Checks

    If you have multiple checks with us for multiple lenders, the time-frames of responses from lenders may vary, however we will always ensure that we advise you of which lender correspondence refers to and be available for support and guidance throughout this process on 0333 443 2500, should you so require.

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    PPIClaims.com is a trading style of Money Management Team Ltd. Money Management Team is a member of the Professional Financial Claims Association (PFCA).
    We comply with the PFCA Code of Practice