PPI Reclaiming discussion Part III

di3004

roar349 wrote: »

Think my application was all online, but sure ppi was touted as compulsory.

Hi roar349, if this was 2002/03 there should still be details of this, in which you could request for a SAR (subject access request), although in proving if this was compulsory or not I am not sure if this would be shown in the details.
Maybe others here will make some suggestions for you.;)

marshallka

pinknico wrote: »

Marshallka what month and year were First Plus covered by the FOS?

Hope you are ok today;)

From what I was told in an EMAIL so have it in writing Firstplus were members of the GISC on 20th November, 2001.;)

Darth_chaffinch

Credit-Crunched wrote: »

Sorry am i missing something here?

Was it a complete web application, i.e no human contact or was the sale call human contact?
If no human contact then i am unsure where the "made to take it came from"

Please can you clarify.

Thanks

Thanks Crunched- I seem to remember that I had a follow up phone call, but have never knowingly asked for PPI (as it bumped the repayments up), isn't the onus on banks to prove I did request it? Even so, the initial app was in 2000 (so over 6 years), but the refinance app was over the phone and I would again not have asked for PPI. Have I got this all wrong?
P.S. I have had details of accounts back, but no info on the requesting (or not!) PPI- do I have to pay them another £10 just for the phone recordings?

Credit-Crunched

di3004 wrote: »

Hi roar349, if this was 2002/03 there should still be details of this, in which you could request for a SAR (subject access request), although in proving if this was compulsory or not I am not sure if this would be shown in the details.
Maybe others here will make some suggestions for you.;)

Companies of this size will have a copy of your initial credit agreement, they are held up to 5 years after termination of contract so you are well within this time scale.

Ask to see the inital credit agreement, max charge of £10 for access to information from a banking institute.
Sadly, an electroinc signature holds the same weghting in court as a written one. And you you opted for the ppi without any human contact then you will most likely be liable for it.

HOWEVER, some good news. Recent changed to the opting out of information rendered some previous applications open to question.

Tick boxes were deemed to be misleading if you had to opt out of a contact.

i.e

tick here if you don NOT want ppi

So on the agreement / app form if you feel that the wording is any way misleading i would go down that route.

hope this helps

marshallka

Credit-Crunched wrote: »

Companies of this size will have a copy of your initial credit agreement, they are held up to 5 years after termination of contract so you are well within this time scale.

Ask to see the inital credit agreement, max charge of £10 for access to information from a banking institute.
Sadly, an electroinc signature holds the same weghting in court as a written one. And you you opted for the ppi without any human contact then you will most likely be liable for it.

HOWEVER, some good news. Recent changed to the opting out of information rendered some previous applications open to question.

Tick boxes were deemed to be misleading if you had to opt out of a contact.

i.e

tick here if you don NOT want ppi

So on the agreement / app form if you feel that the wording is any way misleading i would go down that route.

hope this helps

I thought they held records for six years from when you closed the account and also sometimes 7 for tax purposes. Why do you say only 5??

marshallka

redsquirrel2 wrote: »

well its been 5 weeks and 2 days including weekends so i cant expect a final response just yet i hadnt realised it was that long. so their letter telling me they need another 4 weeks will take it to 9 i think i will leave it another 2

Good luck then redsquirrel. Let us know the response...;)

marshallka

showergirl wrote: »

I agree with you there. I received a letter from Tesco PF saying that they may need more time with my complaint. I rang the Ombudsman for advice and they have giving me a reference number and are going to write to them on my behalf. The advice you and Di give is brilliant and I would be lost without you. Keep up the good work.

Glad to be of help to you showergirl..;)

marshallka

dreamer33 wrote: »

Merry Christmas to you all, I hope Santa brings you all lots of money if he hasn't already. :beer:

Can't believe Egg have been fined, awaiting my SAR from them, this one looks good. :rotfl:

Hiya dreamer, what news do you have if any... ...

marshallka

marcus01235oxon wrote: »

I've claimed against egg for mis selling me my ppi. I am on week 7 and i've been ringing them every two weeks, just out of boredom. And this morning i got told that its been "Upheld", and that they have sent the cheque down to be signed off.

Yay.... i was only expecting £937, but i am getting £1015.09. Just have to wait for the cheque to arrive in the post now....

Result........

Thanks Martin and everyone.......

Merry Christmas:A

Geat news for you and just in time for Christmas... Well done:D :j

mlucyminx

hi there.

Have been in a different forum for advice on another matter.

They told me to look in sticky file.

What is a sticky and how do i get to it?

I know this isnt to do with ppi but I didnt know who else to ask x