PPI Reclaiming Discussion part 4

di3004

MsA wrote: »

Excellent, it's worth a go. I must have been tired last night as I didn't click on any of the sections that expand on the link you gave me :rolleyes:

I have found the section I need in the template, so I will give them a call for the details of dates etc and send off the letter on Monday.

Thank you for being so nice and pointing me in the right direction. It must feel like your a traffic officer directing people to the same place, just a different street number every week!

lol, your very welcome, and not to worry, sometimes I miss links at times, it's probably because I quoted your post and wrote in between, so easily done and missed.;)
Yes for for it, it could be worth your while, keep at them, and ask for further help if required.
Fingers crossed for you, please keep us posted, cheers.;)

odyysey

Hi

I received all the p/work from Llyods TSB's SAR dept and, last week, posted a letter to the branch where my loans were taken out requesting a refund of the PPI. I used the template letter from this site and included my case which mainly centred around the sales advisor's incompentence, (cancelled all my D/D's and S/O's and cancelled my debit card when 'processing' my application), when going through the loan application and their obvious lack of financial knowledge training.

The letter was sent recorded delivery and I haven't heard anything back yet.

How long should I allow them to provide me with a response?

di3004

odyysey wrote: »

Hi

I received all the p/work from Llyods TSB's SAR dept and, last week, posted a letter to the branch where my loans were taken out requesting a refund of the PPI. I used the template letter from this site and included my case which mainly centred around the sales advisor's incompentence, (cancelled all my D/D's and S/O's and cancelled my debit card when 'processing' my application), when going through the loan application and their obvious lack of financial knowledge training.

The letter was sent recorded delivery and I haven't heard anything back yet.

How long should I allow them to provide me with a response?

Hi there,

As you know they have 8 weeks to respond in full, I think the first response we had was within the first 4 weeks to say they were investigating and that they will get back by a certain date.

If you hear nothing at all by 8 weeks, you can and entitled to take your case to the FOS.

Good luck, hope you hear soon and with good news.;)

shakattack

Good Morning all

I have a quick question for all the farum people out there, just wanted to ask if you can reclaim ppi if you are on a Debt Management plan or IVA?

I myself am on a debt management plan, but have friends who have IVA's?

can anyone give any advice if this is possible please?

many thanks and well done to all who have successes hope to join you soon!!

Sam

di3004

shakattack wrote: »

Good Morning all

I have a quick question for all the farum people out there, just wanted to ask if you can reclaim ppi if you are on a Debt Management plan or IVA?

I myself am on a debt management plan, but have friends who have IVA's?

can anyone give any advice if this is possible please?

many thanks and well done to all who have successes hope to join you soon!!

Sam

Hi Sam and yes you can still reclaim on the PPI if mis sold, it makes no difference whatsoever, so if you have a case then go for it.

Check this link below for further information, and please post back for help if required, good luck.;)
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Di

jo_and_tim

marshallka wrote: »

Hi Steve, from what the Ombudsman told me in an email Firstplus were covered by the GISC from November, 2001 so if your loan was taken after that date it would be ok to take this complaint to them. I take it you did not use a broker then?

Happy to be corrected if i am wrong but this is a copy of the email sent to me from the FOS

Thank you for your email.

From the information you have provided, it would appear that we cannot deal with your complaint because the business is not covered.

Having looked at the information you have supplied to me, it appears that your complaint against Firstplus Financial Group relates to events which occurred when it was not a member ofthe General Insurance Standards Council (GISC).

On the 14 January 2005, as a result of recent legislation, the Financial Ombudsman Service became responsible for looking into complaints against former members of GISC about events that occurred while the firm was a member of GISC.

I should explain that the firm was a member of GISC from 20 November 2001. I note the policy was sold to you in January 2000. The complaint therefore appears to outside our jurisdiction

hiya just wondered if any1 got any advice i took out a loan in 2004 with first plus but we went through a broker ocean finance the av just said that the insurance company that gave us the ppi no longer exist any ideas what we could do thanx :mad:

di3004

jo_and_tim wrote: »

hiya just wondered if any1 got any advice i took out a loan in 2004 with first plus but we went through a broker ocean finance the av just said that the insurance company that gave us the ppi no longer exist any ideas what we could do thanx :mad:

Hello there

You need to write to Ocean Finance as they arranged and sold you the loan/PPI.
If you require further help please post up.;)
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

marshallka

jo_and_tim wrote: »

hiya just wondered if any1 got any advice i took out a loan in 2004 with first plus but we went through a broker ocean finance the av just said that the insurance company that gave us the ppi no longer exist any ideas what we could do thanx :mad:

If Ocean Finance are no longer trading then you need to ask the Ombudsmans advice on this one. As this sale was 2004 then I think the FSCS cannot help as they only deal with complaints since 14th January, 2005 but I may be wrong. The Ombudsman may take the complaint on against the lender or insurer perhaps. Just do not give up and explain your situation to them.

Good luck

marshallka

di3004 wrote: »

Hello there

You need to write to Ocean Finance as they arranged and sold you the loan/PPI.
If you require further help please post up.;)
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Don't think Ocean are trading any longer as the poster says and from posts on other threads too.

di3004

marshallka wrote: »

Don't think Ocean are trading any longer as the poster says and from posts on other threads too.

Oh yes of course silly me lol....missed that part, how I don't know.....:o.

Jo and Tim

As Marshallka says, contact The Financial compensation Scheme (FSCS) to ask if Ocean Finance are on their list, if so they should arrange to send you a form to complete through the post, sometimes they go through some details with you on the phone then tell you to email them to arrange for a form, but check with them first on this, good luck.
http://www.fscs.org.uk/contacts/