PPI Claim from Insurance company of Loan Provider

mrmungy

I made an attempt to claim PPI off a lender. It was turned down.... boo.
This company has since gone into liquidation and they sent me a letter saying that they are closing the books etc. and as they hadn't heard from the Ombudsman, they advise me to send a letter to the company that actually did the insurance as they only acted as "agents".
I have written this company a letter as per the standard PPI claim, and they have sent one back just enclosing the standard terms and conditions.
How do I go about making a claim from this company for the PPI there agent mis-sold me.

Any advise will be gratefully received.
Thanks

dunstonh

How do I go about making a claim from this company for the PPI there agent mis-sold me.

This assumes that the seller was an agent of the insurer or has commercial terms that make the insurer liable. It does work in a small number of cases but in most cases it does not.

You complain to the insurer giving your reasons for complaint.

magpiecottage

Who actually sold you the PPI?

mrmungy

The lender sold me the policy as it came with the loan. However the lender has since ceased trading and referred me to the insurance company as the FOS hadn't reviewed the Lenders PPI Selling.

Hope that makes sense...

mrmungy

The Lender was London Scottish and the Insurance company is Cardif Pinnacle.
I spoke to Cardif Pinnacle and they found 9 policies.
I asked them to investigate these and they have just sent me a letter stating that they have had a notification stating they can't be held responsible for the selling of PPI from London Scottish.
Where do I go now as the administrators of London Scottish sent me a letter a while ago stating they are in the process of dissolving the company. (However from what I can see on the Companies House Webcheck, they are still showing as in Administration)
Am I basiclly knackered, or should I contact the FOS or FSCS?

dunstonh

I asked them to investigate these and they have just sent me a letter stating that they have had a notification stating they can't be held responsible for the selling of PPI from London Scottish.

Which is to be expected. That is the case with most PPI sales.

Where do I go now as the administrators of London Scottish sent me a letter a while ago stating they are in the process of dissolving the company. (However from what I can see on the Companies House Webcheck, they are still showing as in Administration)
Am I basiclly knackered, or should I contact the FOS or FSCS?

The FOS only deal with sales made where the company is currently authorised and solvent.
The FSCS will deal with PPI sales made after Jan 2005 but not before.
Anything before Jan 2005 is game over.