PPI Reclaiming discussion Part III

marshallka

pip2805 wrote: »

The broker was Norton the FOS are now giving them 14 days to reply to his findings.They have said we should have an outcome by the end of Jan.

Thats great then Pip... let us know what the outcome is..;)

marshallka

di3004 wrote: »

Thanks for posting this Marshallka, I think Toffee penny will be back to check as I said you may possibly post about this, if a template for this.;)

Toffee penny has had a copy with a different pen on but if she requests this under this section of the CCA then it should be a TRUE copy...:D

di3004

marshallka wrote: »

Toffee penny has had a copy with a different pen on but if she requests this under this section of the CCA then it should be a TRUE copy...:D

Cool.......:D .
That will have em.....:D lol

pip2805

marshallka wrote: »

You mean that your complaint is for misselling and its the broker you have to claim against...!!

Right I have a similar problem with Firstplus. I was sold this by an unregulated broker and after finding out I would not receive any help that way I then put a complaint into FOS about the settlement of the loan which I assumed was cause of rule of 78.

This complaint also said about the unfair rebate we received against the insurance too so really was two complaints into one. My rebate and settlement date was 2003 so I thought that as Firstplus were gisc members in November 2001 then I would be allowed this complaint and it would be in jurisdiction. I got this to an adjudicator at the beginning of July this year but within a day of them ringing and telling me this the FOS closed the complaint as they said there was a mistake and this was outside their jurisdiction.

I then complained again with the same sort of complaint but just put it as unfair rebate and used Barclays trading as Firstplus (as Firstplus are owned by Barclays). This again got before an adjudicator in October and this was then closed within 2 days as they say that upon looking into this further and with consulting senior management at the FOS that this again was not a complaint they could look into as it was outside their jurisdiction.

I then rang and asked to speak to this senior management and was allowed after numerous emails and phone calls. I was told then by him that I could not use Barclays trading as Firstplus as firstplus were not appointed representatives of them. he then said as this complaint was about the rebate I received against the insurance then I should make a complaint to the actual insurer/underwriter of the insurance. I then had to scan my insurance documents into them and they have written to Lloyds of London (yours is Barclays Dublin as this was later than mine) and I am awaiting a final response. I was also told that this way being against the insurer then they would come under "compulsory jurisdiction" of the FOS so at least they will hear me out. Time will tell on that one. I know that they say the rebate is determined by the terms and conditions of the insurance policy and it comes under "unfair terms in consumer contracts regulations 1999". I hope you can see what a struggle this has been for me but I will not give up...;)

Yep its going through now against Norton but as we had to pay 10800 to clear the loan which we did with a new loan with 1st plus will we get interest on the 10800 for the remainder of the 2nd loan which is 18yrs.
Wot an uphill battle you ve had 1st plus are cowboys and bullies.
Many thanks:rotfl:

marshallka

di3004 wrote: »

Not a problem.;)

I bet this is very frustrating for you......:mad: , knowing damn well its not your tick, and yes its a very good idea requesting for the original, good for you, and with the SAR though they should I think send you the original to what I know of, but hopefully they will anyway.;)

A SAR is only what they want you to have and a CCA 77/78 is a legal request of a true executed agreement

di3004

I shall be off shortly, sooooo tired....., think everyone may be having an earlier night tonight, not heard from dreamer either, I know she has a lot on her mind at the moment, but hope she's okay......

di3004

pip2805 wrote: »

Yep its going through now against Norton but as we had to pay 10800 to clear the loan which we did with a new loan with 1st plus will we get interest on the 10800 for the remainder of the 2nd loan which is 18yrs.
Wot an uphill battle you ve had 1st plus are cowboys and bullies.
Many thanks:rotfl:

There is also a forum for this as well here, even though I do not have a complaint with these, but i support everyone that does.;)

www.firstpluscomplaints.co.uk

Think this is the one, but anyhows I registered on there as well.....:D

Even though yours is with Norton, you can still write your experience about FP on that forum added if your interested.;)

marshallka

pip2805 wrote: »

Yep its going through now against Norton but as we had to pay 10800 to clear the loan which we did with a new loan with 1st plus will we get interest on the 10800 for the remainder of the 2nd loan which is 18yrs.
Wot an uphill battle you ve had 1st plus are cowboys and bullies.
Many thanks:rotfl:

Hopefully yours will be easier but I will not give up with them. I think even the FOS know that and that is why they have directed me this way. I just want it over with now as its taken up near on a year of my life :eek:

Good luck

Just a word of warning, fos look at unfair rebates (not including misselling!!) as complaints against the insurer. Misselling is against the broker/lender whoever sold it to you, and unfair settlements come under the banking so this again is from when the FSA had jurisdiction of the firm.

marshallka

di3004 wrote: »

There is also a forum for this as well here, even though I do not have a complaint with these, but i support everyone that does.;)

www.firstpluscomplaints.co.uk

Think this is the one, but anyhows I registered on there as well.....:D

Even though yours is with Norton, you can still write your experience about FP on that forum added if your interested.;)

I was one of the first to register here Di. Just want more peeps to do it so great you have posted it..;)

marshallka

di3004 wrote: »

No Boo666.......:eek: , blimey his computer must be worn out lmao:rotfl: :rotfl: :rotfl:

Must be on a promise again:rotfl: :rotfl: