Companies in Default/FSCS Claims - Picture, London Scottish, Twopart

di3004

It's looking great for everyone now on here isn't it?:j:j:j

Well done and Congratulations to our recent winners :beer::beer:

And here's keeping my fingers crossed for the remaining of you still waiting for your well deserved money :beer:.

I'm sure there will be more payouts this coming week.:T:T

Di
XXXXXXXXXXX

busbyh

di3004 wrote: »

It's looking great for everyone now on here isn't it?:j:j:j

Well done and Congratulations to our recent winners :beer::beer:

And here's keeping my fingers crossed for the remaining of you still waiting for your well deserved money :beer:.

I'm sure there will be more payouts this coming week

Di
XXXXXXXXXXX

I'm sure there will be di, can't be many more left now.

GOOD LUCK TO ALL THOSE STILL WAITING:):)

di3004

busbyh wrote: »

I'm sure there will be di, can't be many more left now.

GOOD LUCK TO ALL THOSE STILL WAITING:):)

It's so exciting :j:j
Feels like we are all winning all over again lol, fab news:T:T:beer:XXX

thunders79

di3004 wrote: »

It's so exciting :j:j
Feels like we are all winning all over again lol, fab news:T:T:beer:XXX

Hi Guys

Have been gutted as haven't been able to log on all weekend due to faulty laptop! - My cheque also arrived yesterday. 10k better off and very happy that it is now all over. Went and paid it in immediately :rotfl:- bank manager asked me where I got the money from and whether it was a loan and what I intended to do with it!!!!

Congratulations to everyone else who recieved thier cheques and good luck to all of those still waiting - I will continue to follow your success stories.

Thankyou for all your support. Things are finally starting to move again :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

di3004

thunders79 wrote: »

Hi Guys

Have been gutted as haven't been able to log on all weekend due to faulty laptop! - My cheque also arrived yesterday. 10k better off and very happy that it is now all over. Went and paid it in immediately :rotfl:- bank manager asked me where I got the money from and whether it was a loan and what I intended to do with it!!!!

Congratulations to everyone else who recieved thier cheques and good luck to all of those still waiting - I will continue to follow your success stories.

Thankyou for all your support. Things are finally starting to move again :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

Fantastic Thunders :beer::beer::T:T:j:j, so happy and relieved to hear this, Well done and Many Congratulations.
:j:j:j:beer::beer::T:T:T.

Remember you have the Click ppi to sort out yet as well lol .

This is great.............absolutely wonderful :TXXXXX

thunders79

di3004 wrote: »

Fantastic Thunders :beer::beer::T:T:j:j, so happy and relieved to hear this, Well done and Many Congratulations.
:j:j:j:beer::beer::T:T:T.

Remember you have the Click ppi to sort out yet as well lol .

This is great.............absolutely wonderful :TXXXXX

Yes I know. I did put that on hold until this one was sorted. Now need to dig all the paperwork out and get cracking on with it. I am a bit confused with the Click one. As they are no longer operating, how comes FSCS can't deal with that one? Initally, I sent the twopart one to FOS and it was them that forwarded it onto FSCS so will sent to FOS and see what they suggest I think. In for another long stressful time trying to sort it out, buy hey, it is soooooo worth it! It couldn't have come at a better time for us. x

di3004

thunders79 wrote: »

Yes I know. I did put that on hold until this one was sorted. Now need to dig all the paperwork out and get cracking on with it. I am a bit confused with the Click one. As they are no longer operating, how comes FSCS can't deal with that one? Initally, I sent the twopart one to FOS and it was them that forwarded it onto FSCS so will sent to FOS and see what they suggest I think. In for another long stressful time trying to sort it out, buy hey, it is soooooo worth it! It couldn't have come at a better time for us. x

That's the way Thunders, one thing at a time.:T

The reason why the FSCS are unable to deal with Click is because Click were not regulated when you or myself taken out the loan with them back in the years we both did, the FSCS are only able to deal with claims who have been regulated if you know what I mean. (like the FOS - they are only able to investigate if regulated).

Where Twopart was covered by FSA when you taken out your loan, mine was taken out in Nov 2005, so it was protected by the FSA, but Click finance unfortunately were not. In this case because these were protected/governed, the FSCS could deal with Twopart.

Another reason here why I have gone the insurer direction with Click Finance.;)

thunders79

di3004 wrote: »

That's the way Thunders, one thing at a time.:T

The reason why the FSCS are unable to deal with Click is because Click were not regulated when you or myself taken out the loan with them back in the years we both did, the FSCS are only able to deal with claims who have been regulated if you know what I mean. (like the FOS - they are only able to investigate if regulated).

Where Twopart was covered by FSA when you taken out your loan, mine was taken out in Nov 2005, so it was protected by the FSA, but Click finance unfortunately were not. In this case because these were protected/governed, the FSCS could deal with Twopart.

Another reason here why I have gone the insurer direction with Click Finance.;)

Its going to be tricky this one then....... The insurer won't accept liability though if they didn't sell it, will they? Please jog my memory.... sorry to be a pain..... what do i need to do now then and who do I send my complaint to? I wrote to insurer and go no where.

di3004

thunders79 wrote: »

Its going to be tricky this one then....... The insurer won't accept liability though if they didn't sell it, will they? Please jog my memory.... sorry to be a pain..... what do i need to do now then and who do I send my complaint to? I wrote to insurer and go no where.

I know what your saying, but it is actually the FOS who are telling people to go this direction due to these regulating reasons and if companies have gone down under as such.
They are trying to make these responsible as well as they do have a responsibility alongside with the broker in regards of the insurance, also to make sure you would be eligible then for example.
However, the only snag is it may take some time.
Its only been over the last year or more the FOS are suggesting this if the broker is no longer on hand.

What you need to do in your case try to get hold of the policy details, your lender and not click should provide these to you on request, then you write to these about the mis selling of PPI, where you believe you were mis sold due to the reasons you have.

The main of us have received letters from the insurers to say no, but at least these were regulated/governed, so where-as you can then move on to the FOS.

However, another way you can do this is to contact the FOS, explain your situation about Click dissolved, and ask if you should pursue the insurer instead, and/or ask if they could find out for you who the insurer was and to write on your behalf, they did this with one of mine to the insurer.;)
http://www.financial-ombudsman.org.uk/contact/index.html

thunders79

di3004 wrote: »

I know what your saying, but it is actually the FOS who are telling people to go this direction due to these regulating reasons and if companies have gone down under as such.
They are trying to make these responsible as well as they do have a responsibility alongside with the broker in regards of the insurance, also to make sure you would be eligible then for example.
However, the only snag is it may take some time.
Its only been over the last year or more the FOS are suggesting this if the broker is no longer on hand.

What you need to do in your case try to get hold of the policy details, your lender and not click should provide these to you on request, then you write to these about the mis selling of PPI, where you believe you were mis sold due to the reasons you have.

The main of us have received letters from the insurers to say no, but at least these were regulated/governed, so where-as you can then move on to the FOS.

However, another way you can do this is to contact the FOS, explain your situation about Click dissolved, and ask if you should pursue the insurer instead, and/or ask if they could find out for you who the insurer was and to write on your behalf, they did this with one of mine to the insurer.;)
http://www.financial-ombudsman.org.uk/contact/index.html

Me again..... sorry to sound stupid...... I know who the insurer is and wrote to them and obviously they said it wasn't their fault etc.... does this mean I need to complain about the mis sell to FOS but put the insurer details rather than the broker? is that what you mean?