Cardiff Pinnacle

maxdp

Oh tell me about the FOS wait. Have had a lloyds CC PPI with FOS now for 2 1/2 years has had 5 adjudicators at the moment the last 3 being in the last 2 months. Everytime get another letter introducing themselves ring you ask relevant questions back it up by letter then nothing.......................then another letter saying I am the Adjudicator that will be looking after your case BLAH BLAH. I know on the whole they are good and am sure have just been unlucky. Anyway upward and onward

marshallka

maxdp wrote: »

Oh tell me about the FOS wait. Have had a lloyds CC PPI with FOS now for 2 1/2 years has had 5 adjudicators at the moment the last 3 being in the last 2 months. Everytime get another letter introducing themselves ring you ask relevant questions back it up by letter then nothing.......................then another letter saying I am the Adjudicator that will be looking after your case BLAH BLAH. I know on the whole they are good and am sure have just been unlucky. Anyway upward and onward

Blimey maxdp, obviously your face does not fit perhaps lol. No, seriously this is ridiculous. Half these complaints should never get to FOS in the first place and that is our problem. Its the complaints handling procedures that are wrong. I think that they should fine companies more and make them address complaints. Ours with Pinnacle has now been assigned to 4 different people and it is pretty straight forward too. They have asked for the works broker so they can have copies of all insurance schedules terms and conditions which were sent to them previously by email cause each one is over 20 pages long. I have now printed (or printing as I type each summary off). That is going to be a big jiffy bag and lots of postage too. There just want to fish "anything"out of their cover that is not in our works one!!!

Only one word for them at the moment and its not worth typing.

maxdp

:think:.............wonder what that may be

marshallka

maxdp wrote: »

:think:.............wonder what that may be

LOL. I bet they will drop like flies if my Pinnacle one has to go in:eek:. I am not the most patient of people as you know. Cardiff Pinnacle are murder to deal with. I wonder how many times I will be typing CARDIFF PINNACLE on here??? Just hope I can stop soon as it will all get sorted and they will arrange the refund. They say they have until first week of June???

maxdp

They are playing silly games me thinks. All this it had not gone to the right dept etc etc. I know you will be successful with this Marshallka.

marshallka

maxdp wrote: »

They are playing silly games me thinks. All this it had not gone to the right dept etc etc. I know you will be successful with this Marshallka.

Thanks for the positive thinking maxdp.

KIMY

Sorry to hear you are also getting run about with Cardiff Pinnacle, same as me but as posted earlier it has now come to light my husband was never insured and they have no records. They are blaming GE Money and GE Money are blaming them.
Going to FOS if no response from Cardiff Pinnacle within next 2 weeks about original claim for miss selling PPI as told them l advised GE Money did not need PPI as both me and my husband been in long term employment and have excellent sick/medical cover and would get substantial redundancy package. GE money want take responsablility because broker introduced and they are now in receivership.
It was on investigating PPI claim that came to light that only half PPI money charged had supposedly been paid to Pinnacle and only myself insured.
I will pursue this all the way as it is not right companies like Cardiff and GE Money can rip innocent people off.

marshallka

KIMY wrote: »

Sorry to hear you are also getting run about with Cardiff Pinnacle, same as me but as posted earlier it has now come to light my husband was never insured and they have no records. They are blaming GE Money and GE Money are blaming them.
Going to FOS if no response from Cardiff Pinnacle within next 2 weeks about original claim for miss selling PPI as told them l advised GE Money did not need PPI as both me and my husband been in long term employment and have excellent sick/medical cover and would get substantial redundancy package. GE money want take responsablility because broker introduced and they are now in receivership.
It was on investigating PPI claim that came to light that only half PPI money charged had supposedly been paid to Pinnacle and only myself insured.
I will pursue this all the way as it is not right companies like Cardiff and GE Money can rip innocent people off.

Keep fighting KIMY. I am sure you will get there soon enough. They cannot get away with complaints handling like they do (or not as the case may be).

KIMY

Thought l would update you, surprise surprise after been told my husband never had a policy was informed by Cardiff Pinnacle last night they located a policy but yet another twist they state that we both were given single policys not joint like paperwork states and only 5 year policies for a 10 year loans. When l questioned this and the fact that this was supposedly all paid up front by GE Money they did not want to know, after loan was paid off in 19 months l asked why we did receive any rebate she stated take it up with GE MONEY not are responsability. Unless l am missing something here l was missold policy and GE Money blame it on Broker who is now in liquaditation then told husband had no policy, now found to be advised only 5 years policy for 10 year loan of which apparently GE MONEY arranged and now told owed rebate from GE MONEY.
I know sounds confusing but basically we have been ripped off for other £10,461 and know one interested. As 2004 FOS no jurstriction and FLA state sorry cant do anything as no one accepting reponsabilty.
Has anyone any help or advice

marshallka

Hi KIMY, as they are stating that you both had single policies are they saying what each one covered? Could you perhaps SAR Cardiff Pinnacle as you now have some details and see what comes back.

If the broker is in liquidation then your only option really for getting this to FOS is to make the insurer responsible (who I assume are Cardiff) and FOS will look at this then as they are accepting complaints against insurers whereby the broker was not regulated. In the meantime I would ring FOS and see if they will write a letter on your behalf to Pinnacle and then you would have to give them 8 weeks for a final response like with all complaints. If they come back to you with a "no" which is usual then you can ask that FOS look into this for you.

(Just doing another envelope full of things we have already sent to Cardiff which they say they need - just stalling our complaint I think!!!)