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Anglian Windows PPI pushback

What_a_Banker
Posts: 3 Newbie
Hi,
I followed Martin's advice re how to make a PPI claim. My particular claim is in relation some double glazing I had fitted in 2004. The saleslady said we had to purchase the insurance cover in order to have the windows/doors via the finance they were offering. We didn't want the insurance but agreed as it seemed like the only way to go and we didn't really know any better at the time. Knowing what we do now, it was clearly a total rip-off! :mad:
They have responded today as follows -
'The sale of general insurance did not come under the remit of the Financial Services Authority (FSA) until the 14th January 2005 and any sales prior to this date are know as pre-regulation; the regulations are not applied retrospectively. From the details I have, this sale was conducted in August 2004. For any purchase of insurance prior to the 14th January 2005, you were demed to have chosen freely whether or not to choose to purchase the insurance. The sales represetative did not have to assess your demands or needs, it was your decision whether the policy was suitable or necessary. A policy summary is provided, although the full terms and conditions would have been sent by the insurer.
When arranging the finance and insurance, a cooling off period is provided, giving you time to cancel should you not wish to proceed. Singning the credit greement is taken as acceptance of the full terms and conditions. Considering the regulations that applied at the time I do not agree that the policy was mis-sold.
I would also advise you that proir to the 14th January 2005, Anglian was not a member of the Association of British Insurers (ABI), the General Insurance Standards Council (GICI) or the Fianance & Leasing Association (FLA), and were consequently not bound by their codes of practice.
I hope that I have been able to provide further information for you, thank you for brinign in this matter to my attention and allowing me to respond accorkdingly.'
Please can someone advise if there is anything I can do next to take this matter further?
Thanks
I followed Martin's advice re how to make a PPI claim. My particular claim is in relation some double glazing I had fitted in 2004. The saleslady said we had to purchase the insurance cover in order to have the windows/doors via the finance they were offering. We didn't want the insurance but agreed as it seemed like the only way to go and we didn't really know any better at the time. Knowing what we do now, it was clearly a total rip-off! :mad:
They have responded today as follows -
'The sale of general insurance did not come under the remit of the Financial Services Authority (FSA) until the 14th January 2005 and any sales prior to this date are know as pre-regulation; the regulations are not applied retrospectively. From the details I have, this sale was conducted in August 2004. For any purchase of insurance prior to the 14th January 2005, you were demed to have chosen freely whether or not to choose to purchase the insurance. The sales represetative did not have to assess your demands or needs, it was your decision whether the policy was suitable or necessary. A policy summary is provided, although the full terms and conditions would have been sent by the insurer.
When arranging the finance and insurance, a cooling off period is provided, giving you time to cancel should you not wish to proceed. Singning the credit greement is taken as acceptance of the full terms and conditions. Considering the regulations that applied at the time I do not agree that the policy was mis-sold.
I would also advise you that proir to the 14th January 2005, Anglian was not a member of the Association of British Insurers (ABI), the General Insurance Standards Council (GICI) or the Fianance & Leasing Association (FLA), and were consequently not bound by their codes of practice.
I hope that I have been able to provide further information for you, thank you for brinign in this matter to my attention and allowing me to respond accorkdingly.'
Please can someone advise if there is anything I can do next to take this matter further?
Thanks

0
Comments
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Who was the insurer?0
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I think you'll find this was Cardif Pinnacle.......0
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The initial loan was taken out with First National, they then changed their name to G E Money.
The insurance was through Pinnacle Insurance.0 -
Then you should complain to Cardif Pinnacle that it accepted the business from an intermediary that did not subscribe to the GISC code and that in doing so it breached the code.
But for that breach you would not have been sold the policy and you now realise it was missold to you.
Therefore you hold Cardif Pinnacle responsible for your losses.0 -
Thanks Magpie. I'll give it a try and let you know how I get on.0
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Hi
Any progress on the, as I'm in a similar position...
Search for thread ID 3791835 as I'm not allowed to post links yet...
Thanks0
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