PPI Reclaiming Discussion part 4

marshallka

Incipience wrote: »

neither had a consumer credit licence, so they would be the brokers so to speak, you will need to dig out our agreements and find out who the insurer and finacier was.

Name & Registered Office:
BOWATER HOME IMPROVEMENTS LIMITED
GRANT THORNTON UK LLP
30 FINSBURY AQUARE
LONDON
EC2P 2YU
Company No. 05088591

Status: Liquidation
Date of Incorporation: 30/03/2004

Country of Origin: United Kingdom
Company Type: Private Limited Company
Nature of Business (SIC(03)):
2524 - Manufacture of other plastic products
Accounting Reference Date: 31/12
Last Accounts Made Up To: 31/12/2005 (FULL)
Next Accounts Due: 31/10/2007 OVERDUE
Last Return Made Up To: 30/03/2007
Next Return Due: 27/04/2008 OVERDUE
Last Members List: 30/03/2007
Insolvency History Previous Names:Date of changePrevious Name27/05/2004SQUAREWHITE LIMITEDBranch Details There are no branches associated with this company.Oversea Company Info There are no Oversea Details associated with this company.
Application / Licence Details




Licence Number:0557659
Licence Status:Current

Current Applicant / Licensee:

Business NameCompany Registration Number Bowater Home Improvements Limited5088591

Categories:

Consumer credit Credit brokerage Debt adjusting/counselling

Right To Canvass Off Trade Premises:Yes


Trading Name(s) (Current):

Bowater Windows Double Glazing Direct Home Guard Security & Care System Home Guard Security & Care Systems Staybrite Conservatories Staybrite Roofline Staybrite Windows Zenith Conservatories Zenith Roofline Zenith Staybrite Zenith Staybrite Conservatories Zenith Windows

Issued Date: 24-Jun-2005
Expiry Date: 23-Jun-2010

marshallka

mrsright21 wrote: »

Hello
I've been trying to reclaim PPI money,but now i've got another obstacle on my way..
Wrote template letter to Zenith Staybrite ,today received reply saying that Zentih Staybrite were part of Bowater Home Improvements(or other way round).And Bowater wend into administration last january

What i dont understand is to who i've got to write next.I believe that Bowater was only my installers and Zenith the company who arranged my finances.

If Weatherseal took only ,,remaining order book,, who took care of my finances..Is they still belong to Zenith

Don't know if this helps with addresses etc.
Application / Licence Details




Licence Number:0623441
Licence Status:Current

Current Applicant / Licensee:

Business NameCompany Registration NumberZenith Staybrite Limited6516827

Categories:

Credit brokerage

Right To Canvass Off Trade Premises:Yes


Trading Name(s) (Current):



Issued Date: 05-Dec-2008
Date Maintenance Payment Due: 04-Dec-2013


Legal Formation:

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

NamePositionAmanda Jane Richards Philip Dunning

Nature of Business:

Other

Current Address(es):

Address TypeAddressPrincipal Place Of BusinessPhoenix Centre, Road One, Winsford Industrial Estate, WINSFORD, Cheshire, CW7 3PZ, United KingdomRegistered OfficePhoenix Centre, Road One, Winsford Industrial Estate, WINSFORD, Cheshire, CW7 3PZ, United Kingdom

suckers2008

Hi

I had a credit card with Halifax a year ago but no longer have any paperwork - how do i go about writing to them acking for a SARA request so I can see if I had PPI insurance and claim it back?
THanks

marshallka

Incipience, if you are saying that the FOS are accepting complaints where a "broker" is involved and unregulated but the lender is authorised at the time of the sale does the broker not have to be an appointed representative of the firm.

I once spoke to a manager at the FOS about this (RE Barclays trading as Firstplus complaint). I was told that in order to put my complaint forward to the firm "Barclays" then Firstplus should have been an appointed representative of theirs. (to which they are not).

There is a good "fact sheet" here about this. I wondered if you could share your views.

http://www.fsa.gov.uk/smallfirms/resources/factsheets/pdfs/Not_main_insurance_authorised.pdf


I realise that the fsa did not take over regulation until 2005 and before that if the firm was a member of the GISC or another body but how are you actually getting the FOS to take cases against the lender when the broker sold the product.

Could you perhaps show us some documented proof here. I am still confused with it and only asking a question. I realise where you are coming from on this but surely ANYONE making any complaint is better off going for the lender even after 2005 if what you are saying is true as they would be better off moneywise.

I am now thinking of making a complaint about the FOS telling me otherwise as I did the same thing as you and made my complaint against the person the contract was with and they dismissed it. The same with someone else here too. When did they actually start doing this?

Also surely EVERONE that had a contact pre a certain date has a claim too as regards the commission etc. Is that what you are saving here.

marshallka

suckers2008 wrote: »

Hi

I had a credit card with Halifax a year ago but no longer have any paperwork - how do i go about writing to them acking for a SARA request so I can see if I had PPI insurance and claim it back?
THanks

I think there is one on page one that they use

suckers2008

brilliant thanks

suckers2008

oh what address is it for Halifax and GE Capital One??

mrsright21

Marshalka ,Thank you for this info. But i got a bit confused,what does this mean..And who is the company i need to claim money from?

marshallka

mrsright21 wrote: »

Marshalka ,Thank you for this info. But i got a bit confused,what does this mean..And who is the company i need to claim money from?

I think you have already been helped with that one by Incipience.

mrsright21

So it still GEmoney ,excellent..Thank you all very much