Advice needed on what to do next!

Confused44

Hi - in a nutshell, we took out a loan over 10 years for double glazing ( finished paying it in November last year ) Hubby was clearing out the drawers a few weeks back and came across the paperwork. It showed that we had PPI added to the policy ( un beknown to us ) that was front loaded and only covered us for 5 years of the term of the loan. Both of us were and still are in FT employment with full sick pay etc and redundancy package with public sector, so even if we knew about the PPI, it was never required.
We bought the windows through Anglian, with the lender being GE money and the under writer Commercial Union ( now Aviva)
I have written to both Anglain and GE, neither one of whom want to take any responsibility. Fair enough, GE Money say they were only the lender and were not present at the time of the sale, but Anglian have basically said tough they were not regulated by FSO or GISC before 2005, so basically could do as they liked!!
My question is where do I go from here? I'm guessing that one of these companies would have to take responsibility, if a product is mis sold through a third party?
Is it worth writing to Aviva or taking the complaint to the FSO - my only concern is if Anglian were not regulated then the FSO may not be in a position to help.

Many thanks

Confused44

Bumping. Anyone?

dunstonh

Fair enough, GE Money say they were only the lender and were not present at the time of the sale, but Anglian have basically said tough they were not regulated by FSO or GISC before 2005, so basically could do as they liked!!

They couldnt do what they liked but the problem is that there has been no law breach with PPI. It is basically the FSA deciding, without warning, that they dont like it anymore in many cases. So, if the seller decides it was not mis-sold and its pre-regulation (of the various types) then there is nowhere to go to argue the case. You could go to court but there is hardly any success in court (even Black Horse have won in court yet the FOS uphold 99% of their complaints).

My question is where do I go from here?

end of the road.

I'm guessing that one of these companies would have to take responsibility, if a product is mis sold through a third party?

No. Only if they were agents of that company.

Is it worth writing to Aviva or taking the complaint to the FSO - my only concern is if Anglian were not regulated then the FSO may not be in a position to help.

The FOS is only available if the company was regulated at the time by an appropriate body. Anglian were not. So, FOS have no remit. Aviva are not liable for the actions of a third party who was not an agent of theirs.

Remember that it is not the product you are complaining about. It is the advice you were given that you are complaining about. Neither Aviva or GE give advice. Anglian did.