29th Aug 2019

Fenwick Store Cards PPI

Fenwick PPI Claims

What is Store Card PPI?

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.

Did Fenwick Offer PPI On Store Cards?

No. Fenwick was one of the few retailers who have NEVER offered any PPI.

You can submit a claim directly to the lender yourself for no charge. You can also approach the Financial Ombudsman Service and Financial Services Compensation Scheme for free to review your case, providing it falls within their remit and you have approached your lender first.


What Happens Next?

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 2379 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.

Step 1

Fill in our Online Form

We will call you and discuss your check in more detail.

Step 2

Sign our pre-filled forms

We will send you the PPI check Form(s) of Authority for you to read, sign and return in the freepost envelope.

Step 3

We will check if you had PPI

We will contact the bank or lender on your behalf and do everything we can to establish if PPI was present on any of your products.

How was PPI mis-sold?

PPI was added to some customers' credit cards, loans, mortgages, overdrafts and store cards without their knowledge. Other borrowers have said that the finance provider told them their loan, mortgage or credit application may not be approved if they didn't have PPI. This resulted in borrowers taking out PPI to avoid losing the deal, regardless of if they needed the policy or not.

Could you have been mis-sold PPI ?

If any of the following situations occurred at the point of sale, you may have been mis-sold PPI by your store card provider:

  • At the time store card provider sold you the PPI policy, were you unemployed, self-employed or retired?
  • If you were unemployed, self-employed or retired when store card provider sold you your PPI policy, you would not have been covered so would not have received any benefit from it.
  • Were you aware store card provider had added PPI to your agreement?
  • If you unaware the store card provider 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 PPI was at the time of sale?
  • The store card provider should have explained all costings relating to the PPI. This will be a major mis-selling factor if it wasn't done.
  • Did the store card provider 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 store card provider, 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 store card provider that you could cancel the PPI policy?
  • The store card provider should have notified you of your right to cancel the PPI policy within the cooling off period.
  • Did the store card provider bring to your attention any of the circumstances or exclusions where you would not be successful in making a claim?
  • If the store card provider had not made clear any exclusions or circumstances that would prevent you from claiming, you may have been mis-sold your PPI policy.
  • Did the store card provider check to see if you had other PPI arrangements that would cover repayments?
  • The store card provider has a responsibility to find out if you had sufficient PPI cover elsewhere.
  • Was there any pressure by store card provider into purchasing the PPI policy?
  • The store card provider 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, 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 PPI term, you would not be covered by the PPI policy.
  • Was it inferred to you that PPI was necessary to get the finance?
  • If the finance sought was such that required a PPI policy, the store card provider should have let you know that you could shop around to find and compare PPI cover or if you already had PPI in place, they should not have sold you their PPI policy.
  • Did the store card provider PPI have an upper age limit, if so, were you older than it?
  • If the store card provider 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 PPI, was it was less than the term of finance agreement? Also, did the store card provider advise that there would also be a period of no cover towards the end of the finance agreement?
  • If the store card provider didn't explain that you would have a period of no protection during the term of the finance agreement, your PPI policy was mis-sold to you.

What you could claim from your store card provider?

If your claim against the the store card provider is upheld, you may receive a full refund of PPI paid to them , 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 your store card provider?

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 your store card provider 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 the provider, your relationship with, or your credit score will not be adversely affected.

We understand consumers may require different levels of assistance and are committed to making your free PPI check* 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 your store card to find out if you had any PPI charges on your loan or finance agreement.

How do I start a Free PPI Check on my Store Card?

You can Start your FREE check PPI process by using our online form above and completing your contact information.

© 2019. StorecardsPPI.com is a trading style of Money Management Team which is authorised and regulated by the Financial Conduct Authority in respect of regulated claims management activities FRN: 836618. The registered address is Railex Business Centre, Crossens Way, Marine Drive, Southport, Merseyside, PR9 9LY. Registered as a company in England and Wales (company number 08290403) Vat Number: 180 9825 79 | Tel: 0800 103 2631 ICO number: ZA029120. *The free PPI check is a stand-alone, no obligation service. If you agree to the claim service, the fees are 20% + VAT = 24% for any successful claim.
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