PPI Reclaiming Discussion part 4

di3004

Mel also posted the post about them in a few posts just gone, in case you missed it, unless you already read it of course lol......:D;)
I see what you mean though Mel "Complaints concerning this policy".

There are pages of it, if I could get photobucket loaded I would post it up on here so you can see it.
My puter plays up when trying to download photobucket.

melorablack

I'd just found and read the other one when you reposted it so the FOS can't/won't find out who is responsible? They're just as bad as the lenders aren't they!!! :rolleyes:

di3004

melorablack wrote: »

I'd just found and read the other one when you reposted it so the FOS can't/won't find out who is responsible? They're just as bad as the lenders aren't they!!! :rolleyes:

Yeah that's right, its so maddening.....:mad:, I think I should post a copy of this though to the FOS, as they had not seen this and just see what they have to say perhaps then?;)
lol, so you did find it then lol

melorablack

di3004 wrote: »

Yeah that's right, its so maddening.....:mad:, I think I should post a copy of this though to the FOS, as they had not seen this and just see what they have to say perhaps then?;)
lol, so you did find it then lol

Yes definately send it to them.

I have just had a thought....where you still paying the loan off when the broker was dissolved? If so who took on the loan?

If you had paid it off there must have been someone out there who still had an active loan with them...whoever the debts were sold on to may take responsibility.

marshallka

melorablack wrote: »

Did this information come from the policy booklet? If it did it may be about complaints about the way the insurance works, not the way it was sold.

The mis sale complaint should go to whoever sold you the policy, but if they are all saying they're not responsible for it I would write to everyone until someone does something.

That's really annoyed me that no-one has taken responsibility yet!!! :mad:

I have a complaint in against the insurer but it is about how the policy works and the terms of the policy and FOS are trying for me on this one but its been there a year now next month and then they have told me it could be another year now. These complaints are not very easy to get through to FOS and Di was sold this by Click finance who went bust and then was advised like me to make the rebate complaint against the insurer saying the rebate was unfair. (UTCCR). I have now been told that FOS (from what others have said on here and after speaking this week to FOS) are taking complaints against the insurer and trying to make them responsible for the misselling. Its not had any go ahead as such yet but its for when the brokers are unregulated at the time of the sale. Di should be able to make the complaint against the insurer now for misselling perhaps.

di3004

melorablack wrote: »

Yes definately send it to them.

I have just had a thought....where you still paying the loan off when the broker was dissolved? If so who took on the loan?

If you had paid it off there must have been someone out there who still had an active loan with them...whoever the debts were sold on to may take responsibility.

Thanks Mel

I may just actually write to Hamiltons without going to the fOS by enclosing a copy of the ppi policy and highlight it to them, and see what they come back with first, because I never actually wrote to them myself it was the FOS checking at the time of whom we should write to, but they did not have these policy details at the time.

The loan was paid up before they dissolved unfortunately, we paid this off in 2005 where they dissolved in 2006, and the new lender was Nemo.;)

marshallka

melorablack wrote: »

Yes definately send it to them.

I have just had a thought....where you still paying the loan off when the broker was dissolved? If so who took on the loan?

If you had paid it off there must have been someone out there who still had an active loan with them...whoever the debts were sold on to may take responsibility.

I asked that too as Click sent a letter to say that she needed to claim against the people that were dissolving them I think. I wondered that too? Is that how it works?

melorablack

marshallka wrote: »

I asked that too as Click sent a letter to say that she needed to claim against the people that were dissolving them I think. I wondered that too? Is that how it works?

I heard of cases where I work where we didn't sell the loan or the insurance but we "bought" it from another company so we had to take responsibility for it... it can be a right pain in the bum as we don't have any of the original paperwork or even the right systems but that can turn out better for the customer :rotfl:

di3004

hmm i see what you both mean and some still paying it off now with them?

How can i find out about this one then?
Any ideas?

di3004

Endeavour were taking out the repayments, to what I remember.
They bank with HFC.