PPI Reclaiming discussion Part III

di3004

marshallka wrote: »

There was a dsipute some months ago that was sorted so we thought. I check on google news all the time.. I emailed the FOS about my complaint the other day and usually have had a reply straight away but this time I have asked that they do not send me on a wild goose chase in pursuing the insurer and to let me know for definate that this will be looked into but this time not had a reply yet!!!

So you've still not heard back then ? bet this hold-up is all to do with FP, I have a gut feeling about these at the moment.:rolleyes:

di3004

Banks silent about Payment Protection Insurance:


http://www.paymentcare.co.uk/art_details.php?nid=10298

There is mention of LLoyds, Barclays and FP.

di3004

Facts to know about Credit Card Payment Protection Insurance:

http://www.paymentcare.co.uk/credit-card-payment-protection-insurance-uk.php

dreamer33

di3004 wrote: »

Banks silent about Payment Protection Insurance:


http://www.paymentcare.co.uk/art_details.php?nid=10298

There is mention of LLoyds, Barclays and FP.

2004 Profits from us in there.:mad:

marshallka

Firstplus Dallas here

This was a sister company to our Firstplus nothing to do with our Firstplus really!!!!!

http://cbs11tv.com/local/Irving.Business.Mafia.2.720693.html

John Maxwell is listed as First Plus Financial Group's chairman of the board. He too is named in the search warrant. Documents and records were seized from these individuals and companies because, according to the search warrant, there is evidence of mail fraud, wire fraud, bank fraud, interstate transportation of stolen property, money laundering, racketeering and extortion.

No updates yet on this but it is scary...

marshallka

di3004 wrote: »

So you've still not heard back then ? bet this hold-up is all to do with FP, I have a gut feeling about these at the moment.:rolleyes:

I sent this email here

Thanks for the email about the unfair rebate issue that I have. I wanted to just clarify that per my conversation with A****************** the other day he said that you would write to the insurer and ask for their final response to my complaint. I wondered whether you wanted my wording in a letter to send to these. I have now drafted a letter and wanted to know what you are actually stating in the complaint. As this is now a complaint to the insurer do I have to state my argument again... I am so confused of this issue. I don't want to have to go through this again and then you tell me that this is outside jurisdiction. I was told by FIrstplus that the insurer to write to is Cassidy Davis in the first instance and they would pass the complaint to Lloyds of London but from what I can tell Cassidy Davis does not fall within the jurisdiction and am I then going to have start again by writing to LLoyds of London. Also Lloyds of London state on their website that complaints about the terms of policies is not something they look into.

Q9. I AM UNHAPPY WITH THE INCREASE IN PREMIUM (OR TERMS, CONDITIONS OR EXCLUSIONS) THAT HAVE BEEN APPLIED TO MY POLICY

[FONT=Arial,Arial][FONT=Arial,Arial]A. Please click here if you wish to make a complaint. While we are happy to look into your complaint, in most instances we are unable to intervene in complaints of this nature as they are concerned solely with the insurers’ use of their commercial judgement.

My complaint is about the term of the PPI policy that I feel was unfair and we had not idea of this term and how this was worked out. Because of this term we then paid for a policy that we no longer used. We feel that this term on the policy was only fair to the insurer. Above says that they are unable to intervene in complaints of this nature. Am I being sent around in a big circle here and going to be back to the "no sorry cannot help as outside our jurisdiction". Also we wanted to complain that their was no cancellation on the policy of either 14 days or 30 days.
From the time we had the policy which was the day we signed the credit agreement with Firstplus we had only the 7 days cancellation on the agreement. After that time if we wanted to cancel the PPI then the policy gave us cancellation rights of what it said that was an unfair term. As the PPI was included in the loan agreement our statutory rights against cancelling a policy that included life insurance which should have been 30 days were then squashed. This again was an unfair relationship and produced a completely unfair agreement. If the term about cancellation was upheld by the Ombudsman then surely this make the whole agreement between ourselves and FIrstplus unfair.
Termination of Cover and Benefit
If you cancel your policy before its normal expiry date you will receive a rebate of your premium provided you have not made a successful claim. Your insurers will not calculate your rebate proportionally, rather under the Rule of 78 set out in the Consumer Credit Act 1974.


[/FONT][/FONT]
Have I got any chance of getting any money back from FIrstplus here. I know I was robbed of money by them and I feel so annoyed that because of dates and jurisdiction issues I have no comeback anywhere within the authorities.

I am sorry for this email again but I have been doing some finding out myself and wanted to know if this is the case then what do I do now.. I am writing this as you asked me if I had any further comments to let you know by the 6th November.

di3004

marshallka wrote: »

I sent this email here


Thanks for the email about the unfair rebate issue that I have. I wanted to just clarify that per my conversation with A****************** the other day he said that you would write to the insurer and ask for their final response to my complaint. I wondered whether you wanted my wording in a letter to send to these. I have now drafted a letter and wanted to know what you are actually stating in the complaint. As this is now a complaint to the insurer do I have to state my argument again... I am so confused of this issue. I don't want to have to go through this again and then you tell me that this is outside jurisdiction. I was told by FIrstplus that the insurer to write to is Cassidy Davis in the first instance and they would pass the complaint to Lloyds of London but from what I can tell Cassidy Davis does not fall within the jurisdiction and am I then going to have start again by writing to LLoyds of London. Also Lloyds of London state on their website that complaints about the terms of policies is not something they look into.

Q9. I AM UNHAPPY WITH THE INCREASE IN PREMIUM (OR TERMS, CONDITIONS OR EXCLUSIONS) THAT HAVE BEEN APPLIED TO MY POLICY

[FONT=Arial,Arial][FONT=Arial,Arial]A. Please click here if you wish to make a complaint. While we are happy to look into your complaint, in most instances we are unable to intervene in complaints of this nature as they are concerned solely with the insurers’ use of their commercial judgement.

My complaint is about the term of the PPI policy that I feel was unfair and we had not idea of this term and how this was worked out. Because of this term we then paid for a policy that we no longer used. We feel that this term on the policy was only fair to the insurer. Above says that they are unable to intervene in complaints of this nature. Am I being sent around in a big circle here and going to be back to the "no sorry cannot help as outside our jurisdiction". Also we wanted to complain that their was no cancellation on the policy of either 14 days or 30 days.
From the time we had the policy which was the day we signed the credit agreement with Firstplus we had only the 7 days cancellation on the agreement. After that time if we wanted to cancel the PPI then the policy gave us cancellation rights of what it said that was an unfair term. As the PPI was included in the loan agreement our statutory rights against cancelling a policy that included life insurance which should have been 30 days were then squashed. This again was an unfair relationship and produced a completely unfair agreement. If the term about cancellation was upheld by the Ombudsman then surely this make the whole agreement between ourselves and FIrstplus unfair.
Termination of Cover and Benefit
If you cancel your policy before its normal expiry date you will receive a rebate of your premium provided you have not made a successful claim. Your insurers will not calculate your rebate proportionally, rather under the Rule of 78 set out in the Consumer Credit Act 1974.


[/FONT][/FONT]
Have I got any chance of getting any money back from FIrstplus here. I know I was robbed of money by them and I feel so annoyed that because of dates and jurisdiction issues I have no comeback anywhere within the authorities.

I am sorry for this email again but I have been doing some finding out myself and wanted to know if this is the case then what do I do now.. I am writing this as you asked me if I had any further comments to let you know by the 6th November.

Brilliant letter - straight to the point and they should be able to come back with an answer for you.
How long ago did you send this now?
Seems like ages ago

Have you heard anymore of the offer one since?

marshallka

di3004 wrote: »

Brilliant letter - straight to the point and they should be able to come back with an answer for you.
How long ago did you send this now?
Seems like ages ago

Have you heard anymore of the offer one since?

Di you have completely lost me here... I have never had an offer from these???

This was sent 29th October...

marshallka

di3004 wrote: »

No hun I meant the other one, where you have the same adjudicator as me?;)

Ahhh, right, I had an email the other day and it said that the person that had made the offer of redress on the loan was away until next week so the adjudicator would have to get back to me after that about redress on the others too. It may be a fight here... I have my sar though and nothing incriminating to me. In fact there is nothing about the loans in any phone calls only the loans listed with PPI. I think they always sold them with the PPI..

di3004

marshallka wrote: »

Ahhh, right, I had an email the other day and it said that the person that had made the offer of redress on the loan was away until next week so the adjudicator would have to get back to me after that about redress on the others too. It may be a fight here... I have my sar though and nothing incriminating to me.

Good, and good luck there then.:beer: .