PPI Reclaiming discussion Part III

dreamer33

Incipience wrote: »

Also.. Folks I see Firstplus, Barclays and Barclaycard trawling my forums EVERYDAY and you can be sure they are doing the same here. Try not to give out tactics and information as they do and will use it against you.

If you are serious about discussing tactics, then find a more secure enviroment

How do you know that they are looking?

di3004

booi666 wrote: »

Cheers sinead,yep i got it:rotfl:

okay dokey Boo, and I have just discovered what dreamer had said as well.....:o :rotfl: :rotfl: , OMG I am getting one of those dizzy moments coming on again.....:rotfl: lol

marshallka

Incipience wrote: »

Marsh like most of these companies they will file it under "Sent Standard response" because they know all about the percentages and how you are all complaining and know before they even get the letter what methods you are using.

Its called Risk Assesment, they look at the numbers and know that you all use forums such as this to get your information.. they also know how many of you get your complaints rejected by the FOS and why and they will respond in a manner that in most cases do not address certain issues.

What you are doing here is given them the upperhand.. think about it.. this is a public forum they have equal access to it and in most cases can identify who you are by the letter you publish on here..

Think before you post.

Mine is closed now with Firstplus but my unfair rebate issue is ongoing. I still want everyone to win though and don't have anything to hide that I would not want them to read on here. I think that the FOS have failed me really and I know that I will not give up and if it takes the loan enforceabilty thing and voiding it then that is my next step.

That letter was done in May of last year.... its a closed complaint now as the FOS have told me this week they really can not do anything on this one.

I will not give up though.

dreamer33

marshallka wrote: »

I tried that one too under section 75 of the CCA and they completely dismissed it.

I then emailed this to the actual MD at Firstplus after receiving a letter stating that section 75 only applied to credit cards and not loans.

I have today received a letter dated 18th June ref ***** re account number 1*****.

In this letter it states that "Section 75 of the Consumer Credit Act 1974 provides protection for consumers with regards to their credit card facility and quality of goods they have purchased with them"

I would like you read the following

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/62/62-consumer-credit.htm

http://66.102.9.104/search?q=cache:2c7qgvbyEbwJ:www.oft.gov.uk/shared_oft/reports/consumer_credit/oft303.pdf+section+75+cca+1974+and+loan+agreements&hl=en&ct=clnk&cd=4&gl=uk

I would like you view on the following and that my complaint be looked into further.

I shall pass information of your letter to trading standards and my complaint with the FOS too.

Checked out the second website, I saw a para that should apply and not just to credit cards. Its a complete scam I say:mad:

di3004

booi666 wrote: »

Cheers sinead,yep i got it:rotfl:

just realised on the "Sinead" bit as well lmao :rotfl: :rotfl:

marshallka

dreamer33 wrote: »

Checked out the second website, I saw a para that should apply and not just to credit cards. Its a complete scam I say:mad:

I told the fos about this but nothing...:mad:

Perhaps a complaint to the FSA is better..;)

marshallka

dreamer33 wrote: »

How do you know that they are looking?

I agree here that they do look and FOS too. You really don't know who any of us are..:eek:

dreamer33

Incipience wrote: »

Marsh like most of these companies they will file it under "Sent Standard response" because they know all about the percentages and how you are all complaining and know before they even get the letter what methods you are using.

Its called Risk Assesment, they look at the numbers and know that you all use forums such as this to get your information.. they also know how many of you get your complaints rejected by the FOS and why and they will respond in a manner that in most cases do not address certain issues.

What you are doing here is given them the upperhand.. think about it.. this is a public forum they have equal access to it and in most cases can identify who you are by the letter you publish on here..

Think before you post.

Can I just ask if you don't mind, do you or did you work for a Credit company?

Incipience

For those of you who had Cassidy Davis as the insurer, the gentleman you need to speak to is Piers Faulkner. Ask him for a copy of the policy document and get a copy of the agreement if you dont have one.

Also ask him if your broker had an agreement to sell insurance on their behalf.. if they didnt then he will tell you to go through to complaints@lloyds.com and will then clam up.

If you decide to go down the root of FOS then dont use templates found on open forums or published letter you have to understand that there are literally thousands of users who watch but dont post and they will use all your hard work with regards to points made and letters sent.

Get as much evidence as you can. Try to avoid legal jargon in your FOS form, as these forms are for unwitting consumers who know nothing, well thats what you want them to think..

Act Dumb, they are more likely to take you seriously.. believe it or not.

If no joy from the FOS then get legal on the lender.. many solicitors now take out an insurance policy so if they dont win they can claim off the insurance, and if they do the lender has to pay up the costs.

Remember that Claim Advisors are not Solicitors and are therefore unable to reclaim costs from the other side, so you end up having to pay them a percentage. And in most cases they instruct a solicitor to act on their behalf..which can cost you more.

marshallka

dreamer33 wrote: »

Can I just ask if you don't mind, do you or did you work for a Credit company?

I wonder that too ..