PPI Reclaiming discussion Part III

di3004

marshallka wrote: »

Di, have you just added the bottom bit of this cause it was not there before...

No hun......don't know what happened there then?

marshallka

rkm123 wrote: »

Hi, we went through Freedom Finance and the letter with the contract in is dated 28/07/06.

Oh no, not Freedom Finance....

di3004

marshallka wrote: »

It is good but I thought they were actual insurers and not underwriters. I don't really understand but I was told by the FOS that all insurers come under compulsory jurisdiction of the FOS and I wanted to know if Lloyds of London were in the old Insurance Ombudsman Scheme as I do not know what date they will take into account of this complaint as the policy was sold before Lloyds were authorised and ended in 2003 . I put my complaint date as 2003....

Oh dear, yes I see what you mean....

marshallka

booi666 wrote: »

Has anyone managed to look at my earler posting reg my hfc loan?

:eek: :eek: :eek:

Boo, you get left to back of the queue now cause you're a regular...;)

di3004

booi666 wrote: »

Has anyone managed to look at my earler posting reg my hfc loan?

:eek: :eek: :eek:

I remember you posted something about these earlier......, we shall have to dig it out again just in case......:eek: and because we have all be chattering away lol.....:o :rotfl:

marshallka

rkm123 wrote: »

Hi, we went through Freedom Finance and the letter with the contract in is dated 28/07/06.

The one good thing here is that the contract was in 2006 so will come under the jurisdiction of the FOS. I have left a post above about misselling. Its seems you were definately missold and you should be able to get this back too. You need to write to Freedom and wait for their response. They are not easy to deal with but as yours is 2006 :j they do have to look into this. Dreamer and myself have both had dealings so we know all about them...

Extra good luck and REALLY hope you win and quick...;)

rkm123

My hub has just asked me... What are we reclaiming for? the amount that was first advanced to the insurance company or the monthly payments we have made since we took it out? Also, would the monthly payments in future not include the 155 that we pay for the insurance? Im sorry to appear so dim but this is all very new to me.

rkm123

ps apparently we did it straight through First Plus

marshallka

pinknico wrote: »

Hello Boo, originally it was PPI but the company were not regulated.But when I asked for the agreement to prove I requested it they said they didnt have one ,closed the account and defaulted me! So I rang the FOS as I was quite happy to pay the account and they shouldnt have defaulted me.:mad:
Wasnt that bothered about the result of the complaint until I read the " you refused £450 we cant get them to refund £27 charges !!!! I refused because I dont need a default ! I'd not get a default accepting charges back.:mad:

This is why I asked the other day Pinknico. FOS only has the authority to deal with Consumer Credit complaints from April 2007 and all agreements have to be taken out since April 2007 too. Yours was before and also seems like a consumer credit complaint so I wondered . Its so wrong that they will not look into this. :mad:

marshallka

rkm123 wrote: »

ps apparently we did it straight through First Plus

How do you know that now.... . If this was through a broker then they will tell you to write to the broker and have nothing to do with it... Where do Freedom come into this...