loan company still taking payment whilst ppi is being processed

di3004

the-stig wrote: »

hiya di i am feeling a little bit better still bunged up a still got a headache but it aint as bad as a few days ago. anyway heres the letter they sent to me.

further to your complaint regarding payment protection policy, i am writing to confirm the outcome of our investigations and thank you for your patience while these have been ongoing. we have fully investigated the circumstances surrounding the complaint and are in a position to offer our final response.

we would like to question why it has taken you so long to bring this matter to our attention, if you believe the insurance to have been mis-sold then why were we not notified earlier.

Although your letter is clearly of a generic template which we have seen copies of many times and does not actually state which policy your referring to we have concluded our investigations to provide you with our final response.

Please find a copy of your hire purchase agreement which clearly states that the PPI policy as optional: your have ticked and signed the required section wishing to purchase the insurance.

In reflection of the mentioned points and due to the generic nature of your letter, unless you can advise is in more detail why you believe to have been mis-sold the PPI policy we would be unable to uphold your complaint.

For further information on your referral rights regarding this complaint, please review the complaints procedure sent to you with our initial acknowledgement letter. should you have any queries in the menatime please do not hesitate to contact us at the address given below..


thats the letter they sent back to me.. when they mention which policy i am referring to i clearly state in the letter my agreement letter and they also state the agreement number at the top of this letter. also when they state that i ticked and signed the optional PPI part of the agreement of course its going to say optional but in the phone call when i firstly phoned the company up they mentioned that it would go against my loan acceptance if i never took out payment protection. also i wasn't told that it would go against my policy if i took on agency work, even though agency work is full time hours, i would rather take agency work than slum it out on the dole. but thats where i am at now on the dole because theres no jobs out there, also at the job centre the computer terminals are i would say 80% agency, and they job centre people ask if i am regsitered with agencies, it makes it an unclaimable policy if i take agency work but it also goes against my benefits of i turndown agency work. i cant win..

anyway what do you suggestion i say when i type back to them :T

thanx :rotfl:

Hope you received me message......:D , cheers hun X