stuck what to do please help.

katie1

hi all,

I have a few thread on here about claiming ppi . I have tried to go through loanchecker and another company to claim my ppi back . I also tried on my own before i went to them but got stuck when i was told the FOS are only able to investigate businesses if they were covered/protected by GISC or FSA, the FSA taken over from GISC in Jan 2005, but not all businesses was covered by GISC.are not able to investigate, i complained to FOS and was told pretty much the same .I didnt know what to do so gave up .

I am thinking about trying again by my self but with me already having ago do you think its a bad idea ??? what shall i do first i need walking through this please i did the templates on here before, before i gave up. Dont know what to do really for the best

di3004

katie1 wrote: »

hi all,

I have a few thread on here about claiming ppi . I have tried to go through loanchecker and another company to claim my ppi back . I also tried on my own before i went to them but got stuck when i was told the FOS are only able to investigate businesses if they were covered/protected by GISC or FSA, the FSA taken over from GISC in Jan 2005, but not all businesses was covered by GISC.are not able to investigate, i complained to FOS and was told pretty much the same .I didnt know what to do so gave up .

I am thinking about trying again by my self but with me already having ago do you think its a bad idea ??? what shall i do first i need walking through this please i did the templates on here before, before i gave up. Dont know what to do really for the best

Hi Katie

I understand how you feel on this and its so frustrating, but if you want to have another go then go for it with the help from this site.;)

First thing first, make sure you receive all your documentation back, you have the right to have these.

Then when you do, you can either use the templates from this site or as a guide with your own words, also the reasons you have for being mis sold the PPI in the first place.

Here is the link to the guidelines of reclaiming:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
This is useful, with a checklist of mis selling reasons and templates.

I note you said you have already gone through this but give it another try anyway, and take it from there, if they do not uphold in your favour, do ask the FOS again even if they could not deal with this before, on some cases they have resonsidered.
So exhaust this avenue and if this does not work, write to the insurer, the details of the insurer should be enclosed within your documentation.

They have 8 weeks in full to respond, and I would as well post by recorded delivery for your proof of posting.

It is up to you, also wait for other opinions as well on this and then you can decide from there, but we can help step by step.

Hope this helps hun, good luck.;)

katie1

once again thankyou so much i was scared to ask didnt want to anoy people for not understanding .

katie1

ive just looked at some paperwork i have and it says, This policy is underwritten by Lloyds TSB general insurance ltd then address AND the prudential assurance company ltd

so i assume i writ to Lloyd do i ??

di3004

katie1 wrote: »

once again thankyou so much i was scared to ask didnt want to anoy people for not understanding .

Hey do not worry hun.......:D, we have all been there and you certainly not annoyed us.:A;)X

di3004

katie1 wrote: »

ive just looked at some paperwork i have and it says, This policy is underwritten by Lloyds TSB general insurance ltd then address AND the prudential assurance company ltd

so i assume i writ to Lloyd do i ??

Yes I assume it would be them (lloyds) and of course the FOS will be able to investigate if this did not work out.;)

marshallka

Katie, are you able to pull out of loancheck without incurring costs from them? I would make 100% sure that this the case and the contract with the solicitors/loancheck is ended (get it in writing if you can) and also inform that FOS about having the complaint elsewhere as they can not deal with the complaint if this is already being dealt with.

di3004

Katie, just in case I got it confused, isn't this the one where you said Heenans are no longer dealing with because they are no longer running?

Just want to make sure on this, cheers.;)

marshallka

di3004 wrote: »

Katie, just in case I got it confused, isn't this the one where you said Heenans are no longer dealing with because they are no longer running?

Just want to make sure on this, cheers.;)

I know Di but others that had cases with one solicitor cannot pull out (it seems!!) as its been passed onto another one. Just would not like Katie to be lumbered with a huge bill for work already done. Seems that some are in limbo as to what to do as they may get charged for work already done (Watson i think) although Watsons are no longer dealing with these they are being passed on. It is very confusing but depending who you have signed contracts with really.

di3004

Yes I agree Marshallka, and Katie should check on this as well.
It was Heenans mine was with but did not go any further with it, and luckily did not occur any charges, but yes I totally agree this should be checked through first.;)

katie1

Yes i have had it in writing from Dawson Hart and from Watsons that they were no longer dealing with my claims.Thankyou for the reminder i dont want a big bill at this late stage, i will make sure i get something in writing from Heenans.