Ppi & cdl?

V2412

hi,


i have had a career development loan for a number of years and long story short i am now paying it off in very small installments, however i have been reading alot on ppi lately and am curious now if ppi was/is included in a career development loan or not, and if so can i claim this back?

The reason i ask is i am unsure if it is or not and have lost my paperwork, and the company (computeach) wont even take my calls, all i know is the CDL is with Barclays, and a few years ago i went on a downward spiral and ended up on Incap, now ESA, and with the big help from CAB office and have had the repayments negotiated to a minimum and the interest frozen on it.



thanks

InsideInsurance

Do a Subject Access Request under the Data Protection Act to the lender.

On what grounds do you believe it was miss sold if you're not even sure you took it?

pickpocketlocket

InsideInsurance wrote: »

Do a Subject Access Request under the Data Protection Act to the lender.

On what grounds do you believe it was miss sold if you're not even sure you took it?

Or they could just ask them?

InsideInsurance

On the basis the OP stated "they wont take my calls" I assumed that the time for pleasantries had passed

Apples2

Hang on, is this someone who signed up to a Computeach Course and actually completed the course?

This is groundbreaking, everyone else does three workshops and tries to bail out only posting on here to try to get out of the Finance repayments.

Not sure Computeach are the ones to call anyway, Barclays provided the Finance so they are the ones to contact.

redpete

InsideInsurance wrote: »

On the basis the OP stated "they wont take my calls" I assumed that the time for pleasantries had passed

The OP said the training provider wasn't accepting calls - sounds like they haven't yet asked the loan provider who would (or should) know what was included in the loan.

KAZ005

Hello
Has anyone heard of 'Four Parties in a debtor-creditor-agreement'?
In a nutshell, my husband was asked by BTSC (plumbing training group) to take out one of their restricted-use loans financed by Barclays Partner Finance to fund our sons' training with them. Cost £12,000. BTSC went bust, we tried claiming the money back from Barclays by using Section 75 of CCA, they refused stating the 'link' was broken as my husband did not do the training.
We are going to pursue this with the Ombudsman but I've just found that according to lacors.gov website that in this situation where the loan could not be used for anything other than the plumbing course and BTSC wouldn't allow our son to take out the loan himself that the relationship does exist between all four parties.
I'd be grateful for anyones views or advice on this matter. Thanks.

pheonixrising21

InsideInsurance wrote: »

Do a Subject Access Request under the Data Protection Act to the lender.

On what grounds do you believe it was miss sold if you're not even sure you took it?

Not being sure its on the loan is reason enough to believe it may have been mis-sold isn't it? If you don't know that you have it then there's a pretty good chance that it wasn't explained to you and that you weren't given the chance to decide if it was right or not... therefore mis-sold.

Janie4Now

KAZ005 wrote: »

Hello
Has anyone heard of 'Four Parties in a debtor-creditor-agreement'?
In a nutshell, my husband was asked by BTSC (plumbing training group) to take out one of their restricted-use loans financed by Barclays Partner Finance to fund our sons' training with them. Cost £12,000. BTSC went bust, we tried claiming the money back from Barclays by using Section 75 of CCA, they refused stating the 'link' was broken as my husband did not do the training.
We are going to pursue this with the Ombudsman but I've just found that according to lacors.gov website that in this situation where the loan could not be used for anything other than the plumbing course and BTSC wouldn't allow our son to take out the loan himself that the relationship does exist between all four parties.
I'd be grateful for anyones views or advice on this matter. Thanks.

According to this Government site http://www.lacors.gov.uk/lacors/ContentDetails.aspx?id=24854 Barclays are indeed liable under Section 75 and this has been proved through the courts.

Threaten to go to the Ombudsman and see what they say next!

KAZ005

Thank you Janie4Now,
Thats really encouraging news, have you heard of any success in court then using a 'Four Party' argument?
We have written twice to Barclays Partner Finance and they say their decision is made but i'm wondering whether we should write to them one more time with this new information or go straight to the ombudsman.

~Brock~

pheonixrising21 wrote: »

Not being sure its on the loan is reason enough to believe it may have been mis-sold isn't it? If you don't know that you have it then there's a pretty good chance that it wasn't explained to you and that you weren't given the chance to decide if it was right or not... therefore mis-sold.

No. Just No.

Not being sure it's on the loan is reason enough to come across as a pretty dim money grabbing chancer if, after making the usual mis-selling allegations, it then turns out that it wasn't on the loan in the first place.

Find out the facts first and only then put in a complaint, if applicable.