PPI Reclaiming discussion Part III

di3004

robbiewilliams wrote: »

You got me humming the theme tune now!

Yes Marshallka good point, will give that a try

lol, yes its catching then lmao :rotfl:

Someone I know had 2 complaints about WF, the one was under FSA and he was first told by the FOS that the one under the FSA is the only one that can be looked at, they returned the other one, then this guy I know came across further docs in his SAR and realised they were under GISC before the FSA came into force, he sent the one under GISC back to the FOS with some evidence that they were under them, then the FOS agreed to look at the complaint, but still they should know this then for everyone......:rolleyes:

lyndymay

i had a loan from ge capital 6 yrs ago. they put ppi on my loan told me i had to have it and didnt tell me it was only for five years.i sent of my letter re ppi to ge capital a few wks ago. they have since sent me a letter back stating that as i arranged the loan through a website loanline i must contact them.from what i can recall loanline only took my detais and ge did all the rest. r ge passing the buck or just trying to fob me off. any help very much appreciated.

robbiewilliams

Is the only way of checking GISC membership by asking FOS?

marshallka

di3004 wrote: »

That's the year 2001, could not remember the year when they were under GISC, was looking OTR for this the other day, thanks Marshallka.;)

Di, that 2001 was Firstplus and not who robbie is asking about. I do not know that dates of that one..:D

marshallka

di3004 wrote: »

lol, yes its catching then lmao :rotfl:

Someone I know had 2 complaints about WF, the one was under FSA and he was first told by the FOS that the one under the FSA is the only one that can be looked at, they returned the other one, then this guy I know came across further docs in his SAR and realised they were under GISC before the FSA came into force, he sent the one under GISC back to the FOS with some evidence that they were under them, then the FOS agreed to look at the complaint, but still they should know this then for everyone......:rolleyes:

Maybe you then ring up the FSA about the GISC things then . FOS seem to get it wrong all the time.

marshallka

lyndymay wrote: »

i had a loan from ge capital 6 yrs ago. they put ppi on my loan told me i had to have it and didnt tell me it was only for five years.i sent of my letter re ppi to ge capital a few wks ago. they have since sent me a letter back stating that as i arranged the loan through a website loanline i must contact them.from what i can recall loanline only took my detais and ge did all the rest. r ge passing the buck or just trying to fob me off. any help very much appreciated.

What GE are saying is that Loanline must have ticked the box for the PPI basically. You need to make the complaint to whoever sold the policy so maybe a letter to Loanline next and give them 8 weeks.

I don't know if this is any use to you here as you already know the complaints procedure but



Just take a look at the link here and see what you can add and delete to your letter. There is also a template letter for ease but sometimes it can be better to make your own up from this.

You then write to the firm that actually made the sale of the PPI to you if this is different from the lender and don't forget to send this recorded delivery so you always a proof and dates etc.

After that you have to give them 8 weeks for a full and final response. In this time it is usual to get a response of "sorry we sold this to you fairly" but you then respond to this and reiterate your complaint again. The next time they write they either give you a final response which you would need in order to take this complaint to the FOS or offer to settle.

http://www.moneysavingexpert.com/rec...urance#reclaim


Good luck

marshallka

robbiewilliams wrote: »

Is the only way of checking GISC membership by asking FOS?

I have never tried it but maybe the FSA also have a register. I have moaned so many times about putting one on the FOS site as this would take the pressure off the FOS with complaints as we could look ourselves just like they do.

di3004

lyndymay wrote: »

i had a loan from ge capital 6 yrs ago. they put ppi on my loan told me i had to have it and didnt tell me it was only for five years.i sent of my letter re ppi to ge capital a few wks ago. they have since sent me a letter back stating that as i arranged the loan through a website loanline i must contact them.from what i can recall loanline only took my detais and ge did all the rest. r ge passing the buck or just trying to fob me off. any help very much appreciated.

Hi there
It is normally the ones who arranged and sold you the loan and ppi you have to complain to.;)
So if it were loanline hun, it will be them you write to.
Just re-send the letter you sent to GE Capital.
Do you have the address details of whom to send it to hun?

Right just edited to come back in to post lol.
I see our Marshallka has given you some good info here x

marshallka

If anyone from the FOS is looking in we need an online GISC register to make it easier for us and ultimately easier for you too.:D

di3004

robbiewilliams wrote: »

Is the only way of checking GISC membership by asking FOS?

The FOS should be able to confirm this to you hun.;)
Just to be sure but I know they were members of GISC date wise I did think it was 2001 but now it may have been 2003 come to think of it, but just to be sure contact the FOS. Good luck.;)