PPI Reclaiming Discussion part 4

amersall

Coo1 wrote: »

I sent one lettler claiming that they had mis sold the cover because my husband was self employed and they failed to tell us that he would not be covered even though he was the named person on the insurance!!! When his work dried up this year I tried to claim and was told he wasn't covered and never had been and to top it off they said that I could not cancel the cover and would have to keep paying it....... It took them eight weeks after I sent my letter but they sent a letter saying that they did not agree that it had been mis sold but they were making us an offer out of good will!!!!!

We do have three months arrears so I understand why they are going to use it to clear that. The loan was over four years and should end end of Oct next year, not in 18 months time which they are claiming, I do have the paper work to proove this, should I insist that the new loan ends inline with the paper work I have or will this make them withdraw the offer?

Thank you for all of your help.

hi there sorry i did not reply sooner have been busy, contact fos tell them you are not happy with this new loan and go mis sell with the fos, you should not be made to take the new loan over extended terms and i think the fos wont look too kindly on this, give the fos a go, you have nothing to lose and maybe have more to gain, good luck and keep us posted xx

di3004

rocjescai wrote: »

Hi I need some help!!!I have contacted BH requesting a copy of my agreement but I dont have the agreement number.However I was able to tell them when the loan started & finished,& all other relevant details(dob etc.).However after 2 letters they still say they have no recaord of our loan!I then phoned & asked if I sent £10.00 to request a SAR would they then give me the info,but the girl said that they wouldnt be sending anything without the agreement number.....is there anything else I can do?HELP!!!

Hi there

I agree with amersall, contact the FOS on this matter, they should be able to help.

Good luck and please keep us posted.;)

rocjescai

Thanks for the reply!Yes Ill contact FOS,thanks I think you are all fantastic!!!

di3004

rocjescai wrote: »

Thanks for the reply!Yes Ill contact FOS,thanks I think you are all fantastic!!!

Good for you.:T You too. X
Fingers crossed.;)

rocjescai

Just contacted the FOS & they cant help,we need areement number.The FOS say they would need the agreement number!!I guess thats the end,another scum gets away!!!!

di3004

rocjescai wrote: »

Just contacted the FOS & they cant help,we need areement number.The FOS say they would need the agreement number!!I guess thats the end,another scum gets away!!!!

Have you a bank statement, which would disclose the account number on repayments?

If not if you have an online bank account, this should allow you to go back approx 6 years, check on there if you do, this way you should retrieve your account number.;)
Have you tried requesting for a copy of your agreement from the finance company?

Oops sorry just edited to repost, you have already requested for your agreement.

For them to track this down, give them as many details as possible, can you remember the year this was taken out?
Any different addresses then and surnames etc.

You seem to have done that as well.
When was this finance settled?

rocjescai

Hi yes I have asked BH but they say I cant have a copy of agreement without agreement number.:mad:

rocjescai

Hi the finance was settled in 2005,I ahave given them the exact date it was taken out & when it was settled.

pinknico

Check your credit report rocjescai, the number may show up on that.

rocjescai

Thanks for all your help ,Ill check credit report now!!:rolleyes: