PPI Reclaiming discussion Part III

marshallka

maxdp wrote: »

Hi Marshallka

Thanks knew you would know but was not up to scratch so that was why I said to ring cause did not know when you would be on here. Sorry you have had so much rubbish chucked at you.

I would have supported you if I had been about as I am sure you know. Not that you need anyone leading your corner as you are more than capable of doing that yourself;)

I was dying for you to come on. Glad you read them...:D .

I had my supporters club as well and also did you note the comments "side kicks" and "forum police"... Very rude..:rolleyes:

marshallka

maxdp wrote: »

Hi Marshallka

Thanks knew you would know but was not up to scratch so that was why I said to ring cause did not know when you would be on here. Sorry you have had so much rubbish chucked at you.

I would have supported you if I had been about as I am sure you know. Not that you need anyone leading your corner as you are more than capable of doing that yourself;)

Maxdp, I never requested my agreement from Firstplus under section 77/78 (I did it with my SAR) and they only supplied me with a top copy (as they said they forgot to copy the terms and conditions:rolleyes: as they would expect!!) and then a blank copy with terms and conditions on the reverse. I argued this with them and they said they did not have a true copy as they had forgotton to scan it all.

I may have a go again asking for a true copy although as the debt is settled I need to really find out if they have ANY obligation to send this to me. I found a section that said if the debt was finished they did not have to provide this "true executed agreement".

Edit...

Maybe not request it:D
http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

pinknico

marshallka wrote: »

Maxdp, I never requested my agreement from Firstplus under section 77/78 (I did it with my SAR) and they only supplied me with a top copy (as they said they forgot to copy the terms and conditions:rolleyes: as they would expect!!) and then a blank copy with terms and conditions on the reverse. I argued this with them and they said they did not have a true copy as they had forgotton to scan it all.

I may have a go again asking for a true copy although as the debt is settled I need to really find out if they have ANY obligation to send this to me. I found a section that said if the debt was finished they did not have to provide this "true executed agreement".

I used section 77/78 and got told the agreement didnt have to be the one you signed ( Citi) they were in their rights to just send terms and conditions so I was hoping malenurse might have a stronger quote!!

di3004

gumbi wrote: »

FSCS Response to my email about Picture Finance.....


The information in my previous response is the current correct position.

As the fund of last resort your complaint is correctly with us and not with Target, who from the information currently available, are only responsible for the ongoing administration of loans which were with Picture Loans.

I am sorry but there is nothing further I can add at this time, and thank you for your patience whilst we complete our enquiries. We will only be able to advise you further once our investigations are complete. Although the firm has ceased to trade this alone does not automatically mean the firm can be declared in default by the FSCS. I can confirm that we are in the final stage of our investigations into firm to see whether it should be declared in default. This will depend not only on its solvency but also on our investigation of a number of claims against the firm to ascertain if there is a claim that is eligible for compensation under our rules. However as previously explained our work is reliant on information from a number of other parties who are not under our jurisdiction.

Teflon Shoulders.....nothing sticks!!!
12 months and counting....At the least the car I'm planning to buy is getting cheaper by the day thanks to the desperation of the Car manufacturers. I wander if they'll have to wait as long for their cash? somehow I doubt it!!

:whistle:

Hi

This is exactly the same response as I received ages ago......:eek: , but not about Picture - about Twopart Ltd.
Good luck to you, I know our Pinknico is fed up of waiting as well..... .

marshallka

pinknico wrote: »

I used section 77/78 and got told the agreement didnt have to be the one you signed ( Citi) they were in their rights to just send terms and conditions so I was hoping malenurse might have a stronger quote!!

Yeah, just read this for anyone maybe wanting a little more than their PPI back....

A request made pursuant to s77/78 CCA 1974 leaves the lender able to send you a document that is not an exact copy of the original agreement. Thus if the original agreement was defective the lender may hide such defects with a “True Copy”.

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

di3004

Wow, I do love your Siggie Pinknico, very flash hunni......:T :A x

maxdp

bathgatebuyer wrote: »

As will I. Is there not a leaflet floating around from the FOS which identifies the types of cases they can get involved in and I'm sure (although my memory is not what it was) that it covered instances suc has couriered agreements.

Thank you bathgatebuyer and thank you for sticking up for our Marshallka.;)

di3004

Marshallka, I am still waiting for the document from HFC/Endeavour, I will check the date they received my request for this, but it must be 12 days now, or at least coming, up, but I know the xmas posting will be to blame:rolleyes: , because I have not even returned the docs back to the FOS yet waiting for that, do you think its worth waiting or send that on afterwards??

Don't want to make anything else more complex.....:o

pinknico

maxdp wrote: »

Pinknico I love your signature.:D

Got a bit over excited with my win:D

di3004

They are a great supportive lot on here do you think?
Yes thanks bathgatebuyer, your a diamond x:A And to the rest of you here, Marshallka works very hard here and I have been leaving her to it , sorry Marshallka hunni:o , and she is so very understanding and very honest, which is what I adore about her as well.:T :A x