PPI Reclaiming discussion Part III

pinknico

Hawkwind wrote: »

Hello to Di3004 and the rest of the clan... Im beginning to feel at home here after months of lurking! :beer:

Well I have just completed the letter to lloyds and found a few things which I had forgotten I had. Well I took out the loan with lloyds 01/04/2005 and theres my letter I sent on the 14/01/2005 to cancel the ppi in the folder (no recorded delivery unfortunately) but there is also the date of the call I made in August of 2005 when the consultant on the phone confirmed my ppi would be cancelled. So I have requested my ppi back and send a sars request through. Cant wait to see the results of that.

As an aside how is everyone on the thread doing... I havent had chance to properly reply prior to this as I work nights and just back at work hence the ridiculous posting time.

Well keep well my friends and will update you asap and after I have moved onto the credit card charges.

Hawkwind :cool: :j :cool:

Looks like your on to a winner there Hawkwind, Goodluck x:D

di3004

sacbaby37 wrote: »

Hi Di thanks for your advise yesterday, but was wondering is it right that i cant reclaim my credit card charges from barclaycard as they are saying that they started charging £12 as from 2005 and as my charges are all for £12 then i cant reclaim from them? grateful again for any advice, hope ur well. sarah xxx

Hi

(I have a few mins in my break) lol.....:D

Not too bad thanks and you ?

Right so you have the statements going back as far as 6 years then I take it?
And there is no charges actually showing the amounts over £12, if that was the case in 2005, what about as from 2003 (6 years ago)?

If you've not got these statements and have not done so yet, request a SAR.;)
Have you also tried checking this out on the charges thread hun and see what they say there?;)

Di.
XX

di3004

Incipience wrote: »

Little Legal Puzzle for you.

You go to a store and buy a TV, you realise that you dont have enough cash for the 100 Inch version, the sales guy in the store tells you about a FIRSTPLUS Hire Purchase that will allow you to take away the TV today . The sales guy tells you that this is the best TV in the market and the most reliable you sign up for the HP, however once you get the TV home it breaks down several times.

Bearing in mind that the sales guy told you that this was the best tv and the most reliable out of all the other TVs.

Who do you honestly think is liable and explain why?

I want to open this up to a discussion

Hi Incipience, I switched off earlier last night, sorry I missed this.

I would have said the Sales guy at the store at first, as he went through all the explaining of the product and the sale, and arranged the HP for this, however this due to our latest discussions of whom to pursue, I would be in two minds here and say complain to FP, they want the store staff to sell then in return they get paid good commission to sell this product.;)
Have I confused matters again ?? oops

mlucyminx

davemchol wrote: »

why do companies withhold copies of the phone conversations? Have recently recieved my SAR request from the Halifax but there is no copy of the phone conversation

probably because that proves the mis selling part. They have to give it you. Get in touch with them and request it. I presume it goes in your favour with FOS if they with holding information.

mlucyminx

di3004 wrote: »

Hi hun
So Ocean were the lender or the broker?

I see the FOS looked into this in who to pursue to, due to the confusion and the messing you had by the seems of things.

Good luck, and we look forward to hearing the outcome of this, hope its a good one.;)

Ocean were the broker. Blemain Finance were the lenders.

Incidently when I contacted Blemain to cancel the policy they offered a refund on the understanding that I didnt lodge a claim for mis selling with FOS. I told them to get stuffed. Politely of course.

di3004

Hawkwind wrote: »

Hello to Di3004 and the rest of the clan... Im beginning to feel at home here after months of lurking! :beer:

Well I have just completed the letter to lloyds and found a few things which I had forgotten I had. Well I took out the loan with lloyds 01/04/2005 and theres my letter I sent on the 14/01/2005 to cancel the ppi in the folder (no recorded delivery unfortunately) but there is also the date of the call I made in August of 2005 when the consultant on the phone confirmed my ppi would be cancelled. So I have requested my ppi back and send a sars request through. Cant wait to see the results of that.

As an aside how is everyone on the thread doing... I havent had chance to properly reply prior to this as I work nights and just back at work hence the ridiculous posting time.

Well keep well my friends and will update you asap and after I have moved onto the credit card charges.

Hawkwind :cool: :j :cool:

Hi Hawkwind

Wow, its looking good for you then ?:D :j

Glad you feel at home.......even though we do tend to go off track sometimes.....:o , but hey they are a great bunch here, as you will know already and post up when you have time - anytime.....:beer: . X

di3004

mlucyminx wrote: »

Ocean were the broker. Blemain Finance were the lenders.

Incidently when I contacted Blemain to cancel the policy they offered a refund on the understanding that I didnt lodge a claim for mis selling with FOS. I told them to get stuffed. Politely of course.

:rotfl: :rotfl: lol, hi hun...good one.;) :T

There are some interesting posts on this thread, if you have time to read back of course.....posted by Incipience, for future reference, could come in handy for you.;)

Incipience

di3004 wrote: »

Hi Incipience, I switched off earlier last night, sorry I missed this.

I would have said the Sales guy at the store at first, as he went through all the explaining of the product and the sale, and arranged the HP for this, however this due to our latest discussions of whom to pursue, I would be in two minds here and say complain to FP, they want the store staff to sell then in return they get paid good commission to sell this product.;)
Have I confused matters again ?? oops

As a point of law, this example was taken verbatim from a consumer law book, and the party liable was indeed the Finance Company.

Goes to show you that not all is what you may assume.

di3004

Incipience wrote: »

As a point of law, this example was taken verbatim from a consumer law book, and the party liable was indeed the Finance Company.

Goes to show you that not all is what you may assume.

Yes I agree Incipience, no wonder we're all running round in circles with our complaints, the finance companies do not want to admit liability, but afterall like your post says, its all down to the finance company in the first place.
I am making points and notes of this Incipience, thanks for posting for others here to be aware of this.;)

dreamer33

Incipience wrote: »

Little Legal Puzzle for you.

You go to a store and buy a TV, you realise that you dont have enough cash for the 100 Inch version, the sales guy in the store tells you about a FIRSTPLUS Hire Purchase that will allow you to take away the TV today . The sales guy tells you that this is the best TV in the market and the most reliable you sign up for the HP, however once you get the TV home it breaks down several times.

Bearing in mind that the sales guy told you that this was the best tv and the most reliable out of all the other TVs.

Who do you honestly think is liable and explain why?

I want to open this up to a discussion

The sales guy I suppose is acting as the broker and you would therefore go to the salesguy who would then probably send you off to who your agreement is with?