Hello Newbie here

Tillypop

Hi Im a newbie here, I hope im posting my queries in the right area.
Firstly I have recently submitted several complaints for mis-sold PPi some of these accounts are old going back to 2000/2001
I have had a few rejections because I was out of the timeframe although I have proof of the agreements. Do I complain to the FSO about these?
Also I have an agreement which was an old First National Tricity Finance agreement for furniture from Furnitureland in Nottingham which is no longer there. I had writen to an Address given to me by GE money but the letter returned back to me today. Does anyone know of the head office address I can post this too please.

Welcome finance have also rejected two complaints due to time barred. One was recently for gap insurance has anyone had any luck claiming this back, I was pressured to take this out to get the finanace for a car.
I would greatfully appreciate your advice about these issues as im not having much success.

magpiecottage

Your complaint is against the shop, not the lender or the insurer.

As they no longer exist and the sale predates cover of general insurance advice by the Financial Services Compensation Scheme, you have reached the end of the road.

dunstonh

I have had a few rejections because I was out of the timeframe although I have proof of the agreements. Do I complain to the FSO about these?

There are currently no active time bars on cases sold under FSA regulation or moved into FSA reguation. So, if you are "out of the timeframe" then this would suggest that they are pre 2005 cases where the seller was not regulated. If so, you will not get access to the FOS. Also, if the seller ceased trading before 2005 then you dont get access to the FSCS either.

Also, proof of agreements is just that. It doesnt show they were mis-sold. There is nothing wrong with having insurances. It is whether they are sold correctly or not.