PPI Reclaiming discussion Part III

dreamer33

marshallka wrote: »

No, I meant that the difference between the two amount on the agreements was 45.18 and your loan was 240 months so i added 240 x 45.18 to see if it came to the PPI figure...

Oh I see now

marshallka

dreamer33 wrote: »

I know, the strange thing is on the back of a leaflet is states, firstplus claims service isdedicated to providing you with a high quality service at all times. If not write to : Firstplus, po box 6801, colchester, essex, co1 1yl

Our claims was Miller Firstline who liquidated in 2003...

di3004

marshallka wrote: »

Di, they changed to Barclays in 2006. I have said earlier that they were all different before then.

Yeah its just not on though is it?
People who still have ongoing loans to pay who were possibly under different insurers then, so if they did want to put in a claim surely FP would have told them of the insurers to whom they should make a claim from if the others do not any longer.....
If the insurers changed and no longer ran would they have automatically been moved onto another insurer?

dreamer33

marshallka wrote: »

Yeah, mine mentions Cassidy Davis on part of it and then 3 others too... and the LLoyds syndicate is different and also the main insurance is held by LLoyds. Also Miller firstline is mentioned and they liquidated in 2003 .

So blumming confusing, it even confused the FOS...

Flippin heck this ppi has been through some people

marshallka

dreamer33 wrote: »

Oh I see now

I will be confusing you more... I see you posted that they put up the APR didn't they... this is always based on there credit scoring.

Did you sign this new agreement at the same time as the other one or within a couple of days.

I ask cause did you have the cooling off period if the money was paid out in the 31st and you signed on the 31st too.

marshallka

dreamer33 wrote: »

Flippin heck this ppi has been through some people

Ultimately its Lloyds of London that hold and decide everything so I am told.. I rang Cassidy Davis and they told me to write to themselves in the first instance and then they pass it to LLoyds who then pass it to Firstplus to deal with it on their behalf. That was told to me by Cassidy Davis so I passed this info to the FOS but they are still clarifying this with FIrstplus...

They say they need to hear from Firstplus who my insurer was as the PPI policy document that I have is one which firstplus are TELLING me was mine..(something dodgy here i think!!!)

FOS asked me to put it in writing that this policy was sent with my SAR and not mine... They were adamant I did this..They asked me to copy it to them and then to stipulate this.. That this was what FIrstplus SAY is my policy..

Lloyds of London should hold the proper one I think.

dreamer33

marshallka wrote: »

I will be confusing you more... I see you posted that they put up the APR didn't they... this is always based on there credit scoring.

Did you sign this new agreement at the same time as the other one or within a couple of days.

I ask cause did you have the cooling off period if the money was paid out in the 31st and you signed on the 31st too.

1st one for 449 signed on 15/01/04 second one 494 signed 28/01/04 hubby, me on 29/01/04, he never mentioned any cooling off period. They received it on 31st. The payment of 494 I believe was never mentioned on the 449. We hurried to sign because he said we have to hurry and sign cause of changes and did not know if he could get us the loan (liar)

Don't believe we had a cooling off period he called us all the time

marshallka

di3004 wrote: »

Yeah its just not on though is it?
People who still have ongoing loans to pay who were possibly under different insurers then, so if they did want to put in a claim surely FP would have told them of the insurers to whom they should make a claim from if the others do not any longer.....
If the insurers changed and no longer ran would they have automatically been moved onto another insurer?

Anyone claiming for older polices are like mine and dreamers and the newer ones are of Barclays. The older (very old ones) had this term in that was unfair and not in plain english... ALso something else dodgy about them too (I feel something with FOS!!!). I want to write and ask for my details from Lloyds who should still hold this...I think FOS are doing this on my behalf when they get round to it..

marshallka

dreamer33 wrote: »

1st one for 449 signed on 15/01/04 second one 494 signed 28/01/04 hubby, me on 29/01/04, he never mentioned any cooling off period. They received it on 31st. The payment of 494 I believe was never mentioned on the 449. We hurried to sign because he said we have to hurry and sign cause of changes and did not know if he could get us the loan (liar)

Typical Freedom. :rolleyes:

dreamer33

marshallka wrote: »

I will be confusing you more... I see you posted that they put up the APR didn't they... this is always based on there credit scoring.

Did you sign this new agreement at the same time as the other one or within a couple of days.

I ask cause did you have the cooling off period if the money was paid out in the 31st and you signed on the 31st too.

I have put in my complaint letter that we should of had a cooling off period and did not get it he called us right upto signature