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Are GE Money passing the buck

finedon
Posts: 2 Newbie
A few years ago I took out finance to pay for some home improvements. The company was Anglian windows and they used GE Money to supply the funds including PPI.
I recently sent one of the MSE PPI claim questionnaires to GE Money who have denied any blame. They have stated that as they were neither the sellers of the PPI or present when it was sold that I need to approach Anglian Windows.
Is this correct? All the time I was paying GE money were receiving my payments.
Anyone got any advice please.
Just as a footnote, I recently successfully recovered £4400 from Barclays using the MSE PPI claim questionnaire :beer:
I recently sent one of the MSE PPI claim questionnaires to GE Money who have denied any blame. They have stated that as they were neither the sellers of the PPI or present when it was sold that I need to approach Anglian Windows.
Is this correct? All the time I was paying GE money were receiving my payments.
Anyone got any advice please.
Just as a footnote, I recently successfully recovered £4400 from Barclays using the MSE PPI claim questionnaire :beer:
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Comments
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Is this correct? All the time I was paying GE money were receiving my payments.
It is correct.
A PPI complaint is not about PPI. It is about the way the product was sold to you and issues relating to that sale. You say Anglian Windows sold it to you. So, they have the liability. Not GE Money.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Well done on your success via Barclays!:beer:
Yes it is correct, as Dunstonh says, you pursue the one's who set up the account, GE were the one's they passed on your information to, as a lender, and you pay the money back to GE.
You could try writing again but to the window business.
What year did you take out the finance?
And are the business still active?The one and only "Dizzy Di"0 -
I thought it would be the case, GE have provided an address for the window firm and have also forwarded my complaint forms to them so I guess I'll have to contact them. The firm is called Anglian Windows and I know they still trade because they keep knocking on my door to offer me deals
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I thought it would be the case, GE have provided an address for the window firm and have also forwarded my complaint forms to them so I guess I'll have to contact them. The firm is called Anglian Windows and I know they still trade because they keep knocking on my door to offer me deals
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Good luck.;)
I would also consider enclosing a copy of the letter from GE, so that they know you have already gone to them, in case they try to pass you back, it's up to you, but yep the window business are responsible.
The best of luck.The one and only "Dizzy Di"0 -
How many years ago is a few? Anglia windows wont consider pre 2005 cases and if it was only a few years ago (as in say 2) then the standards and requirements were much higher than those of earlier years. Things like a statement of demands and needs would have been completed.
What was the date you took out the loan?
What are your reasons for complaint?
what evidence do you have to support the complaint?I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
I've had PPI on a loan from Anglian/GEMoney... this was nothing but a con. I didn't need PPI as I wouldn't have been able to claim on it being self employed. Mine was taken out in 2003, but surely we, from the earlier years, can claim for mis-selling due to the PPI running out before the loan would be finished ???0
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I must stress that being self-employed does not mean you have been mis-sold, in most cases the policy will cover you for being self-employed. I know this from experience.
Your complaint is ,as previously stated, with Anglian as they sold you the policy, you can write to them at the following address:
Anglian Windows
Unit 1
47, Hurricane Way
Norwich
NR6 6HE
Also the fact that the ppi expired prior to the loan finishing is irrelevant, some policies have a maximum term of 5 or 10 years but can still cover, for example, a 25 year loan. I believe that GE Money PPI policies do carry a maximum term of 5 years.0 -
I've had PPI on a loan from Anglian/GEMoney... this was nothing but a con. I didn't need PPI as I wouldn't have been able to claim on it being self employed. Mine was taken out in 2003, but surely we, from the earlier years, can claim for mis-selling due to the PPI running out before the loan would be finished ???
A mis-sale complaint relates to the sale. Not later events. It is the date of sale that matters. Not the length of the contract or the period you paid. As you took yours out in 2003 and Anglia do not consider pre regulation complaints (2005) as they were not regulated at the time then its end of the road.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
A selling complaint can still be registered if the policy was active within the last six years, wether it was after 2005 or not. Below is an exter from Martin Lewis' piece in the Express some time ago
"How far back can I go?
As long as the PPI was active within the past six years (or is still active), then reclaiming is fine: for example, you took it out in the Nineties but were still paying it five years ago. For older policies, you can still try to reclaim (and some succeed), but the chances are lower"0 -
A selling complaint can still be registered if the policy was active within the last six years, wether it was after 2005 or not. Below is an exter from Martin Lewis' piece in the Express some time ago
"How far back can I go?
As long as the PPI was active within the past six years (or is still active), then reclaiming is fine: for example, you took it out in the Nineties but were still paying it five years ago. For older policies, you can still try to reclaim (and some succeed), but the chances are lower"
You are misinterpreting what he is saying. He is looking at it from a data protection act point of view. Not the regulatory position of the company at the time of sale. Anglia were not regulated prior to 2005.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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