Santander Store Cards And PPI - The Facts

  • Santander store cards with mis-sold PPI include

    Dorothy Perkins, Monsoon, House Of Fraser, BHS, Mothercare, Miss Selfridge, Burton, Debenhams, Edge, Outfit, Evans, Topshop, Topman, 

  • PPI on Santander store cards

    Was generally more than on credit cards! Debenhams PPI in later years was £1.50 per £100 of cover.

  • Time running out to claim against store card providers

    All PPI claims need to be registered by August 2019, if you were mis-sold PPI by any store card provider you need to act now.

  • No paperwork, no account numbers, no details

    No problem! Let us take care of everything, time is running out, what do you have to loose.

Reclaim your Mis-Sold PPI From Santander Store Cards

If you were a customer of the numerous Santander store card providers, contact us today to find out how much they could owe you.

Or call us : 0800 1931 234

Reclaim your Mis-Sold PPI From Santander Store Card Providers

Santander store Cards and PPI

If you took out a store card before 2011, then there is a considerable chance that you may have been mis-sold PPI.

On 30 January 2007, the FSA, fined GE Capital Bank Limited a then record fine of £610,000 after it was found to have insufficient safeguards against the mis-selling of PPI. Their store card business was subsequently sold to Santander Cards in January 2009 and again subsequently, in 2013 to New Day, an American hedge fund.

The fine was a culmination of years of mis-selling. In 2005 alone GECB sold a massive 850,000 policies courtesy of as many as 500,000 retail assistants. In truth the mis-selling had been in existence long before the fine, with staff heavily incentivised to sell at the till. GECB, even had an aggressive sales team that targeted customers who did not initially sign up for the cover. This alone, accounted for 5% of all PPI sales in 2005.

Here are just some of the main store cards that they operated -

Dorothy Perkins
House of Fraser
Laura Ashley
Miss Selfridge
Topshop & Topman

At Beat the Banks, we are experts on claiming mis-sold PPI on the whole range of store cards originally provided by GE Capital Bank and then by Santander. Our biggest successes against store cards have seen some of our customers receiving tens of £thousands in compensation.

Although individual balances on store cards, might have traditionally been smaller than credit cards, the charges applied by the lender, were in most cases significantly higher.

The cost of the PPI was generally much more than a credit card. For example when Debenhams PPI (card protection cover) started, it was initially priced at £1.00 per £100 of balance. A typical credit card back then might have been 65/75p per £100 of cover. In later years, Debenhams upped the cost to a mammoth £1.50 per £100 of cover.

It wasn't just the cost of the cover that was inflated. So was the interest payable on debit balances. Often as much as 5% to 15% higher than a standard credit card. All of which means, that even if you paid PPI on your account and were used to having modest debit balances in say the £hundreds, then you need to consider claiming before the August 2019 deadline.

It's also worth pointing out that store card sales before January 2005, were not regulated by the FCA, nor did they fall under the GISC or ABI voluntary codes and that's where Beat the Banks expertise comes in.

If you think you have been mis-sold PPI on your Santander or GE Capital Bank store card or any store card, you can call our team on 01382 200474 or 0800 193 1234.

We are crammed full of banking, insurance and legal experience and here to make reclaiming store card PPI, as simple and as accurate as possible.

Beat The Santander Store Cards

Beat The Banks care, we care about you, we care about reclaiming what's rightfully yours and together we will continue to Beat The Santander Bank. 





£0M +




We Beat The Banks.

“We had no paperwork but £52,500 reasons to say thank you, we are now living our Spanish dream! Exceptional service.”

Dave & Linda , Dundee

“Have just found out I have won all my cases with the bank, going back many years and been awarded compensation of just over £15,000!”

Mr S, Dingwall

“We really appreciate the doggedness and professionalism of Jenna and the team at Beat the Banks. This is something we'd never have gotten round to doing and we're so glad we went through the process with professionals as we've now had great results. Only positives have come from the experience.”

Mr & Mrs M, Shetland

“From beginning to end, Beat the Banks have been very efficient. I am very pleased with the service from Jenna and the team. I am highly delighted and I have been recommending all of my friends.”

Mrs C, Glasgow

Over 30 Years

In Financial Forensics

Claim your money back today, it's time to Beat The banks

Or call us: 0800 1931 234


11 Albert Square, Meadowside, Dundee, DD1 1DD


0800 1932 234


+44 (0) 1382 201 284



Beat The Banks

11  Albert Square





Company Registration No: SC413541 PPI Reclaims (Scotland) Ltd Claims Licence number CRM29125.