PPI Reclaiming discussion Part III

pinknico

Carrie_Cee wrote: »

Surprise Surprise!! they do cover them and have sent me out an information pack! Have no idea what my chances are though Thanks guys x

Thank goodness for you and Di Marshallka ,:A otherwise people would just give up and walk away. xx:A

marshallka

pinknico wrote: »

Thank goodness for you and Di Marshallka ,:A otherwise people would just give up and walk away. xx:A

Arr thanks pinknico.. I am just so annoyed at the FOS for this:mad: . I have told 4 people now and its not fair for them to ring and ask and then get told that they cannot get help. It needs something doing about it. I feel like the FOS are hiding something for Firstplus. They seem to be more on their side just lately... .

marshallka

Littleluc21 wrote: »

[Dear Sir / Madam
TOPSHOP Account Number: xxxxxxxxxxxxxxxxxxxxxx
Ref: xxxxx

Thankyou for your response dated 26 November 2008 which I received today. I now enclose a letter from my university to confirm the dates in which I studied with them as a fulltime student along with a copy of my transcript from the institution which highlights dates and modules studied.

I am also enclosing a copy of the credit agreement you kindly sent me in your reply and have highlighted a section at the top which required me to confirm three statements by ticking the appropriate boxes. The boxes stated that:

1. I am aged 18 or over
2. I have lived in the UK for at least 12 months[/font]
3. My partner or myself are in permanent paid employment (minimum 16 hours a week), self employed or retired, or in receipt of incapacity allowance

All boxes remain UNTICKED on my agreement and should therefore have been queried by GE Money on receipt of my credit agreement. As mentioned in my previous letter (which I have enclosed for your reference) I told your sales representative in store that I was unemployed and in fact a fulltime student but they remained pushy and would not listen to my circumstances.

I am seeking a full refund of all account cover premiums paid during the period I was unemployed and a fulltime student as I was not covered by this policy and it was in fact mis-sold. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.
I look forward to a full and prompt response to this letter and for the matter to be concluded within seven weeks or I shall be contacting the Financial Ombudsman to investigate my complaint


Yours Faithfully

***********************************************************************************
I'm rotten at letters - does this look ok?

L xxxx

Very good LIttleluc, hope you win with it...:T

Littleluc21

marshallka wrote: »

Very good LIttleluc, hope you win with it...:T

Ta - will owe you and Di a large vino after all this

pinknico

Hope people are getting the right info about Blackhorse and Welcome from the FOS.:rolleyes:

Now I am worried they have said my central trust claim is covered and it might not be if they can make mistakes like that.:o

marshallka

Littleluc21 wrote: »

Ta - will owe you and Di a large vino after all this

Wishing you the very best of "luc";)

marshallka

pinknico wrote: »

Hope people are getting the right info about Blackhorse and Welcome from the FOS.:rolleyes:

Now I am worried they have said my central trust claim is covered and it might not be if they can make mistakes like that.:o

I would just ring again to make sure on it pinknico. I actually got to the adjudicator stage twice remember (which was after going through numerous other stages!!) and then got turned away and then look at mine with unfair rebate now. I was told by a manager it would be definately under "compulsory jurisdiction" with the insurer and now they are saying there are jurisdiction issues and that they cannot comment more at this time... .

cot1198

If I were to complain to the FOS about the settlement figure from Nemo would it be unfair rebate or unfair settlement figure as I did not get a penny back in fact I paid over £2000 more than I borrowed even though I had made monthly payments for 14 months. The more I think about it the madder I'm getting as I just cannot see how this can be right

di3004

Littleluc21 wrote: »

Ta - will owe you and Di a large vino after all this

Bless ya....:A , we love to help hun.;)
Great letter like I said, and with a bit of luck this will be a winner.:T

Di
x

scotsjamie

i have decided to try to claim my ppi on a welcome finance secured loan, has anyone had much success with this company, i did try searching the site but couldnt really find much, also i took out a loan twice and both times the insurance was paid in a lump sum in the actual loan, does that make much of a difference. I think i will have a good case as the first time when i sent the form back i did not fill in the ppi bit and they sent it back and the second time i enquired about takling out separate ppi and the person in the office said it was unlikely the agreement would be processed without taking their ppi. Any info would be gratefully received, and pm's welcome.