PPI Reclaiming discussion Part III

di3004

marshallka wrote: »

My point is Di that all claims for PPI go to the seller of the insurance and not the person the agreement is with. Think about car sales people etc... you make your complaint about this always to the person that actually sold the policy.. I hope pinkaddict comes back on...

She did actually state here


does anyone know if I can still reclaim even though I didn't take it out directly with HFC.

Yes I hope Pinkaddict comes back on too, maybe she should find out the complaints procedure about this and who to pursue with just to be on the safe side.
I will also pm her and hope she does come back.;)
But yes I do see your point here.;)

marshallka

I have just sent this to the Ombudsman advice email address

I was wondering if you could please answer my query here.

I had a claim in for an unfair rebate against a PPI policy and have now been told by the Ombudsman that this type of complaint has to be made to the insurer and not the lender.

I wanted to ask your advice on this

If you are sold PPI alongside a loan and it included in the same agreement then your right of cancelling the agreement from the date of signature are 7 days.Please be aware that this agreement was entered into in January, 2000 an ended in April, 2003.

Now I have been reading that your right by law of cancelling a PPI policy are 14 days and 30 days if it included life insurance too. Has this always been the case in cancelling a PPI policy..or was it just since 2005 and we had no rights of cancellation before that date... I need this to be precise.

From when you sign the agreement which is the date that the policy begins to take affect you have waivered your rights of the cancellation of the PPI policy laws as for you to cancel after 7 days you would have to rely on the lender being nice and kind and allowing it as you have already contracted to the loan of the PPI through a credit agreement that is binding,

Where do you stand on this. Also if you have a contract of a PPI policy (not the agreement) and you find a term in the policy to be unfair and take the case to the Ombudsman and it is upheld through the insurer then does that make the agreement of the whole loan and PPI unfair too as without that term added then the agreement would not have been able to survive. Where would this then lie as the agreement is between yourself and the lender and not the insurer...

marshallka

di3004 wrote: »

Yes I hope Pinkaddict comes back on too, maybe she should find out the complaints procedure about this and who to pursue with just to be on the safe side.
I will also pm her and hope she does come back.;)
But yes I do see your point here.;)

From how I read the question it was saying that she took this out in PC World at the time of accepting the credit from them or the seller of the laptop ticked the box for this to be applied..

That is just how I read it and then she actually says that although they did not buy it direct from HFC..

I thought that was her actual question here.

di3004

marshallka wrote: »

From how I read the question it was saying that she took this out in PC World at the time of accepting the credit from them or the seller of the laptop ticked the box for this to be applied..

That is just how I read it and then she actually says that although they did not buy it direct from HFC..

I thought that was her actual question here.

Yes it more than likely was hun and I have also sent her a pm to check these posts out here of what is said, as it was not HFC and PC world who arranged and sold this agreement.;)

di3004

marshallka wrote: »

I have just sent this to the Ombudsman advice email address

I was wondering if you could please answer my query here.

I had a claim in for an unfair rebate against a PPI policy and have now been told by the Ombudsman that this type of complaint has to be made to the insurer and not the lender.

I wanted to ask your advice on this

If you are sold PPI alongside a loan and it included in the same agreement then your right of cancelling the agreement from the date of signature are 7 days.Please be aware that this agreement was entered into in January, 2000 an ended in April, 2003.

Now I have been reading that your right by law of cancelling a PPI policy are 14 days and 30 days if it included life insurance too. Has this always been the case in cancelling a PPI policy..or was it just since 2005 and we had no rights of cancellation before that date... I need this to be precise.

From when you sign the agreement which is the date that the policy begins to take affect you have waivered your rights of the cancellation of the PPI policy laws as for you to cancel after 7 days you would have to rely on the lender being nice and kind and allowing it as you have already contracted to the loan of the PPI through a credit agreement that is binding,

Where do you stand on this. Also if you have a contract of a PPI policy (not the agreement) and you find a term in the policy to be unfair and take the case to the Ombudsman and it is upheld through the insurer then does that make the agreement of the whole loan and PPI unfair too as without that term added then the agreement would not have been able to survive. Where would this then lie as the agreement is between yourself and the lender and not the insurer...

That's very good, we do need to know this.;)
I am still waiting for a reply.

I have not rang though because I will get myself into a knot.
Hope you hear very soon hun.

di3004

I just wrote this to the caseworker who said would get back to me yesterday:


I am requesting for some information if this is possible.

Regarding an "unfair rebate settlement" would it be the loan lender that it should be pursued to or the insurer?

I am confused on this matter as some say the lender because its them who calculates the rebate etc and some say it will be the insurer which the address details is added on the back of the agreement or terms and conditions.

I would like to know this in order to be sure I am going about one of my complaints the correct way, thank you and I look forward to hearing from you.

Regards

dreamer33

di3004 wrote: »

Hi there hunni, yes it seems we run out of pages on part ll lol.....:D :rotfl: .

:j I thought I'd lost everyone :rotfl: think were gonna take over the website too with this ppi lol

marshallka

di3004 wrote: »

Yes it more than likely was hun and I have also sent her a pm to check these posts out here of what is said, as it was not HFC and PC world who arranged and sold this agreement.;)

Di from what I read it was PC World that sold the agreement and the PPI. Why do you say it was not PC World...

di3004

marshallka wrote: »

Di from I read it was PC World that sold the agreement and the PPI. Why do you say it was not PC World...

lol, no hun I am not saying it was not PC World, I just did not know you could pursue through these, I thought it would have been who was on the agreement, but now I can't see why not if PC world sold it.;) Then go through them.

dreamer33

marshallka wrote: »

Di from I read it was PC World that sold the agreement and the PPI. Why do you say it was not PC World...

We bought a laptop through PC world a couple of years ago, it was all carried out in the shop by the sales person, the agreement completed in the shop was through HFC if this helps. It sounds like if the salesperson completed the agreement and ticked the ppi box would they not complain to PC world even though its a retail shop.?