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PPI Reclaiming discussion Part II
Comments
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:beer: Thanks M. colak for the info - and for prompt reply. I don't actually know how to thank someone's post?All information to may require to quote or utilise during your case should be sent to the solicitors of freedom finance and the court. Anything you think you'll need to quote includeing Acts etc also include as it will save the judge looking up the relevant Acts. All corresspondance between you and freedom finance which you will be quoting as evidence again include. Basically your whole case but remember to include a statement of fact - ie what has happened what you have done and what freedom finance have done. (Not what you think and use your evidence in support of the statement.)
Could you explain further what "statement of fact" means? Sorry for being a bit thick Also what is my evidence?
Thanks.0 -
I have not fully read through this all but has anybody used the case law where ppi commission has not been made clear then this could actually where this could mean that even properly sold PPI could mean compensation for people?I am a Mortgage AdviserYou should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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:beer: Thanks M. colak for the info - and for prompt reply. I don't actually know how to thank someone's post?
Could you explain further what "statement of fact" means? Sorry for being a bit thick Also what is my evidence?
Thanks.
Ummm right next to the quote button:p is how you thank someone. A statement of fact is the events of the case. When you bought the claim to the attention to the company their reactions if you took it too the FOS what was their reaction when you took it to court the company's reaction (use letters received unless you have copies of phone conversations). Your evidence consists of letters copy's of your customer credit agreement, letters between yourself and the company any phone calls made, all correspondance from the court, terms and conditions of the loan and copies of what part of the act you are claiming due too, am proof of mis selling i.e. what insurance you had in place or your conditions which would have made the insurance policy invalid.0 -
I have not fully read through this all but has anybody used the case law where ppi commission has not been made clear then this could actually where this could mean that even properly sold PPI could mean compensation for people?
This comes under broker/intermediary law where if their is commision yes they are supposed to declare it (especially if it gets added to the loan) however in most case's the product and insurance is by the company so it won't have any effect barr come under loan arrangement fees and you can ask for a breakdown of this with a SAR.0 -
Noticed that I have Accidental Death Plan,Accident Cash Plan and Serious Injury Plan or one of my cards which I didn't ask for - can these be challenged the same way as ppi?0
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angelwillow wrote: »Noticed that I have Accidental Death Plan,Accident Cash Plan and Serious Injury Plan or one of my cards which I didn't ask for - can these be challenged the same way as ppi?
It you were paying a premium then yes it means insurance and if it was optional to the agreement (check your terms and conditions) you have a right to reclaim especially if you didn't want it and you had cover elsewhere.0 -
I was paying three separate amounts for these things every month that weren't on the account when I first took out the card so definately didn't agree to them when I signed for the card.0
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angelwillow wrote: »I was paying three separate amounts for these things every month that weren't on the account when I first took out the card so definately didn't agree to them when I signed for the card.
Have you asked the company what those charges are for and when you agreed to them? It might be worth sending a SAR to the company so you have the full details of the card in question and you check to see if they are valid in the terms and conditions.0 -
I have received my cheque from FirstPlus for £2083.00, £250.00 to follow for 8% interest. A huge thank you to M.Colak for helping me through this and all the others who have offered support I will stay onboard to see if I can help others. Over £9000 came off loan for misold PPI awaiting new monthly payments.:beer: :beer: :j :j :T :rotfl:
WHAT A SUPER STAR!!!
FAB NEWS
hope you treat yourself to something nice.
lol
Laini xxx:beer::j:jstill fighting for my money !!!0
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