help

HT63

First letter dated 27th januray 2009 to citiFinancial stating 3 loans over £40,000 miss soled ppi on all 3. 7th of febuary received letter from citiFinancial stating having reviewd our records i can confirm that insurance was not sold in ethier of the above account as such i would consider this complaint to be ressolved in full and will close my file. If you are unhappy with the handling of you complaint you may refer to the FLA at the address below or you can contact the FO . Could someone please please advise me on my next step.as i know all three loans had ppi added had to sell house to pay loans off

oscar52

HT63 wrote: »

First letter dated 27th januray 2009 to citiFinancial stating 3 loans over £40,000 miss soled ppi on all 3. 7th of febuary received letter from citiFinancial stating having reviewd our records i can confirm that insurance was not sold in ethier of the above account as such i would consider this complaint to be ressolved in full and will close my file. If you are unhappy with the handling of you complaint you may refer to the FLA at the address below or you can contact the FO . Could someone please please advise me on my next step.as i know all three loans had ppi added had to sell house to pay loans off

Do you have any paper work for the loans??

If not might be an idea to send a Subject Access Request (SAR) to them for all your information. It will cost £10, but they have to release every little bit of information the have on you as well as anything relating to the loans.

The letter you need is on here somewhere (sorry, rubbish at links) I expect someone will be able to point oyu to where.

marshallka

Hi the letter for the SAR is on page 1 of the PPI reclaiming discussion part 4.;)

marshallka

HT63 wrote: »

First letter dated 27th januray 2009 to citiFinancial stating 3 loans over £40,000 miss soled ppi on all 3. 7th of febuary received letter from citiFinancial stating having reviewd our records i can confirm that insurance was not sold in ethier of the above account as such i would consider this complaint to be ressolved in full and will close my file. If you are unhappy with the handling of you complaint you may refer to the FLA at the address below or you can contact the FO . Could someone please please advise me on my next step.as i know all three loans had ppi added had to sell house to pay loans off

You are now free to take this complaint to the fos as they have not upheld it in your favour and sent you their final response.

The link is here


http://www.financial-ombudsman.org.uk/consumer/complaints.htm



What dates were the loans??

HT63

hi marshaallka first one 2003 next 2004 next 2005

marshallka

HT63 wrote: »

hi marshaallka first one 2003 next 2004 next 2005

If i was you then I would now get this into the FOS if they are within the jurisdiction. It might be good to ring them and ask if citiFinancial were a member of the GISC (General Insurance Standards Council) too as if they were not then the first two complaints would maybe fall outside juridisciton. The one of 2005 would be ok if it was after 14th January, 2005 when all sales of insurance were regulated by the FSA.

pinknico

CitiFinancial should be within jurisdiction as they are a bank.

marshallka

pinknico wrote: »

CitiFinancial should be within jurisdiction as they are a bank.

Oh sorry pinknico, I didn't realise that citifinancial were part of the banking ombudsman scheme. You learn something everyday.:D

dreamer33

HT63 wrote: »

First letter dated 27th januray 2009 to citiFinancial stating 3 loans over £40,000 miss soled ppi on all 3. 7th of febuary received letter from citiFinancial stating having reviewd our records i can confirm that insurance was not sold in ethier of the above account as such i would consider this complaint to be ressolved in full and will close my file. If you are unhappy with the handling of you complaint you may refer to the FLA at the address below or you can contact the FO . Could someone please please advise me on my next step.as i know all three loans had ppi added had to sell house to pay loans off

Hi there

I have posted up the SAR template letter as a thread which should make it easy for you to find.

Good luck

nissan25

HT63 wrote: »

First letter dated 27th januray 2009 to citiFinancial stating 3 loans over £40,000 miss soled ppi on all 3. 7th of febuary received letter from citiFinancial stating having reviewd our records i can confirm that insurance was not sold in ethier of the above account as such i would consider this complaint to be ressolved in full and will close my file. If you are unhappy with the handling of you complaint you may refer to the FLA at the address below or you can contact the FO . Could someone please please advise me on my next step.as i know all three loans had ppi added had to sell house to pay loans off

Please try and locate the paperwork - I did and copied them with my MSE letter - 1 request in Dec 2008 and just last week letter from Citifinancial - full refund + 8% interest = £700.00.

HT63

marshallka wrote: »

Hi the letter for the SAR is on page 1 of the PPI reclaiming discussion part 4.;)

I sent of a SAR letter to cityfinacial after reciving letter from them stating i did not have ppi on my loans. Recived a letter from city thankyou for your letter reqesting the infomation city holds on you. As per your request please find relevent details of accounts attached all four acc nos suplied. Unfortunatly following an investigation by our administration team we have been unable to locate your agreement so cannot provide you with a copy . i know i had ppi on these loans where do i go from hear i feel this compony must lose agreements when it suits them i had to sell my house to pay them over £49000 back