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Start your Debenhams PPI claim

You could be owed £1,000s in PPI compensation if you ever had a Store Card or Credit Card with Debenhams

Start your Debenhams PPI claim below:

Start claim - step 1

Step 1

To start your Debenhams PPI claim, enter your details above

Start claim - step 2

Step 2

We will contact you to gather more information about your Debenhams PPI claim

Start claim - step 3

Step 3

We will send pre-filled forms for you to sign & return to us

Start claim - step 4

Step 4

Sit back & relax while we process your Debenhams PPI claim


What is Debenhams PPI?

Debenhams payment protection insurance (PPI), also known as loan repayment insurance, credit insurance or credit protection insurance was designed so that the borrower could make repayments to Debenhams if they were unable to earn income to service the debt. This shouldn't be confused with income protection insurance which is not usually attached to a debt. PPI was widely sold by Debenhams as an add-on to the loan or an overdraft product.

Debenhams PPI usually covered payments for a minimum of 12 months, this gave the borrower enough time to find alternative means of making repayments such as going back to work.

How was Debenhams PPI mis-sold?

Some Debenhams PPI policies were sold without the consumer even aware that PPI was added onto their loan. Some consumers claim that Debenhams informed them that their application for a loan, credit card or mortgage would be declined if they didn't take out Debenhams payment protection insurance. In some cases this led to fear of losing a loan and the borrower would accept the Debenhams PPI even though they may not of even needed it.

Have you been mis-sold PPI by Debenhams?

Debenhams may have mis-sold you PPI if any of the below statements are relevant to you at the point of sale:

  • Were you led to believe that the Debenhams PPI policy was compulsory to your finance agreement?
    • If a PPI policy was required for the finance agreement, Debenhams should have made you aware that you had the right to shop around OR if you had pre-existing cover elsewhere, Debenhams should not have sold you another PPI policy.
  • When you were sold your PPI policy by Debenhams, were you unemployed, self-employed or retired?
    • If you were unemployed, self-employed or retired when Debenhams sold you your PPI policy, you would not have been covered and therefore the Debenhams PPI policy would have been of no benefit to you.
  • Did Debenhams make you aware that part of your PPI premiums may have been paid as commission?
    • The Plevin ruling means that if over 50% of your PPI premiums were paid in commission to Debenhams, you were mis-sold and are due a PPI refund.
  • Were you aware that Debenhams had added PPI to your agreement?
    • If you were not aware PPI had been added to your agreement by Debenhams, it may have been added without your consent or it may have been opt-out box which was not obvious.
  • Did you have a pre-existing medical condition at time you were sold your PPI policy by Debenhams?
    • If you were ever unable to work throughout the term of your Debenhams PPI policy due to the pre-existing medical condition, you would not have been covered by the Debenhams PPI policy.
  • Were you older than the upper age limit for your Debenhams PPI policy?
    • If Debenhams had an upper age limit on the PPI policy and you were above this set age, you would not have been covered.
  • Did Debenhams make you aware about cancelling your PPI policy?
    • You should have been made aware by Debenhams that you had the right to cancel your PPI policy within the cooling off period.
  • Did Debenhams make you aware of any exclusions or circumstances in which you would not be eligible to make a claim?
    • If you weren’t told by Debenhams about the exclusions, or circumstances in which you couldn’t claim, you may have been mis-sold your Debenhams PPI policy.
  • Was the term of your Debenhams PPI cover shorter than the term of the finance agreement AND did Debenhams not explain that there would be a period of no PPI cover towards the end of your finance agreement?
    • If Debenhams did not explain that you would be unprotected for any period of time throughout the finance agreement, you have been mis-sold your Debenhams PPI policy.
  • Did Debenhams enquire if you had PPI cover elsewhere that would of covered repayments?
    • Debenhams should have asked if you had pre-existing PPI cover elsewhere as this would have been sufficient.
  • Was the total cost of the Debenhams PPI policy clearly explained to you at the point of sale?
    • Debenhams should have explained every aspect of any costs relating to your PPI agreement. Failure to do so would be considered a big mis-selling factor.
  • Did you feel pressured into purchasing the Debenhams PPI policy?
    • A simple assessment of your personal circumstances to determine if PPI was of any benefit to you should have been carried out by Debenhams, with no pressure or hard selling.

What could you be owed from Debenhams?

If you have a successful PPI complaint against Debenhams upheld, you would be entitled to a full refund PPI paid to Debenhams, a full refund of any interest charged on the PPI by Debenhams and a compensation interest of 8% per annum on both of those combined.


About us

About us

My Claim Solved Ltd is regulated by the Claims Management Regulator in respect of Claims Management Activities; its registration is recorded on the website www.claimsregulation.gov.uk. Authorisation Number: CRM 29233

Registered with the Information Commissioners Office; registration number: Z2853770

My Claim Solved Limited, Registered in England, Number: 7718504, VAT Number: 123294629

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Customer relations

Customer relations are something we strive to maintain and improve. Should you wish to complain about our Company or service you may do so by writing to:

Customer Relations, My Claim Solved Limited, Tormohun House, Barton Hill Road, Torquay, TQ2 8JH

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Contact us

Address:
My Claim Solved Limited, Tormohun House, Barton Hill Road, Torquay, TQ2 8JH

Phone:
01803 322 822

Email:
info@myclaimsolved.com