PPI Reclaims not covered by the FOS

magpiecottage

dimp81 wrote: »

they have stated "in addition to the above I would advise you that, when proceeding with the optional PPI you were provided with fa discount of £817 which would not have been available if the PPI policy had not been taken". This is where I rest my case I was literally blackmailed you take this policy out. Where do,I go from here please?

I do not think the fact that a discount was offered amounts to blackmail. You did not have to take it.

However, if the cost of the cover was more than £817 and paid as a single premium that was added to the loan you might have a case.

This is a thread for cases outside FOS jurisdiction, though - and the courts generally do not find in favour of PPI complainants.

dimp81

It was took out in February 2004 the sale of the insurance but on the insurance document it states insurance start date 20/01/2006 is it worth taking it to the FOS.

alfagirl

Hello I recently complained to argos about being sold PPI and they came back and said they could not consider that I had been misold this as I had clearly signed the application form. They enclosed a copy of this and there was a lot of stuff not completed in my handwriting - I wrote back to them and asked them to reconsider and they responded by saying that the staff would have completed these things on my behalf and then given the form back to me to check - I dont recall this being the situation!
As the PPi started in 2004 I cannot go to the FOS they have suggested the FLA - does anyone have experience of Argos or the FLA that they can share with me. I recently visited the FLA website and they said they could only consider new information and im not sure I have any - but I still dispute that I ticked many of the things on the form.
Can anyone help? Please also advise if I am doing this wrong - I am new to all of this

-taff

your complaint is over, you have nowhere to go.

Woody08

To Whom it May Concern!

I am writing this in reply to how your Company Has treated myself and my Partner over The miss selling of Ppi through (YES CAR CREDIT) As they were Acting on your advice we and many others feel you have Failed in your duty to protect your customers from being Miss sold an Insurance that in my situation could NEVER be used as at the time My partner was ill with on going Medical condition and I was unemployed,So We WERE Miss sold this insurance and although you were Not a Member of the (FSA) We were told the Ombudsman can't get involved as it it Not in there Jurisdiction. So we have been told the case is Now closed. I am Sorry to inform you that NO it's certainly most Not closed! Because you were Not covered by the (FSA) This does NOT Mean you get to Dismiss Our Claim for Repayment And interest on our money and the 8% Compensation we ARE Entitled to for the Miss selling of This USELESS Insurance We couldnt use! There is a CODE IF PRACTICE you still have to abide by and your company Most certainly did NOT Adhere to,And the harassment threats of legal action when we refused to pay the insurance as it Was Useless. Causing undue stress and illness to us as a family so With this made clear to yourselves. we are seeking redress for how Your Representatives (YES CAR CREDIT) Conducted their Selling Of this insurance as if they had listened to what we were telling them They wouldn't have ticked the wrong boxes and gotten my partner and myself to sign the forms as we Most certainly Would NOT have ticked the ones that your sales rep had. It was the most Awful experience of buying we have experienced in our lives and you should be ashamed of their bullying tactic to sell your Product! As if it was any good the bullying and underhanded tactics that were taken would NOT have had to been used if your Selling was what we see as Unlawful and miss leading and bullying and we are not the only ones to have treated this way. You State on the bottom of a document that if there is any problems then we should refer to (ABI) We did this and they are stating that they do Not know why your company Had put their Names on this form as they do Not have anything to do with this, So this is Another False miss leading Tactic,Why add this to a document that has no Legal Ground? If you do not refund these useless insurance in our case. Then we will have no choice than to take this to a Court of law and let them decide on how you have conducted your Business and seek redress that is so obviously due.

Nasqueron

Woody08 wrote: »

To Whom it May Concern!

I am writing this in reply to how your Company Has treated myself and my Partner over The miss selling of Ppi through (YES CAR CREDIT) As they were Acting on your advice we and many others feel you have Failed in your duty to protect your customers from being Miss sold an Insurance that in my situation could NEVER be used as at the time My partner was ill with on going Medical condition and I was unemployed,So We WERE Miss sold this insurance and although you were Not a Member of the (FSA) We were told the Ombudsman can't get involved as it it Not in there Jurisdiction. So we have been told the case is Now closed. I am Sorry to inform you that NO it's certainly most Not closed! Because you were Not covered by the (FSA) This does NOT Mean you get to Dismiss Our Claim for Repayment And interest on our money and the 8% Compensation we ARE Entitled to for the Miss selling of This USELESS Insurance We couldnt use! There is a CODE IF PRACTICE you still have to abide by and your company Most certainly did NOT Adhere to,And the harassment threats of legal action when we refused to pay the insurance as it Was Useless. Causing undue stress and illness to us as a family so With this made clear to yourselves. we are seeking redress for how Your Representatives (YES CAR CREDIT) Conducted their Selling Of this insurance as if they had listened to what we were telling them They wouldn't have ticked the wrong boxes and gotten my partner and myself to sign the forms as we Most certainly Would NOT have ticked the ones that your sales rep had. It was the most Awful experience of buying we have experienced in our lives and you should be ashamed of their bullying tactic to sell your Product! As if it was any good the bullying and underhanded tactics that were taken would NOT have had to been used if your Selling was what we see as Unlawful and miss leading and bullying and we are not the only ones to have treated this way. You State on the bottom of a document that if there is any problems then we should refer to (ABI) We did this and they are stating that they do Not know why your company Had put their Names on this form as they do Not have anything to do with this, So this is Another False miss leading Tactic,Why add this to a document that has no Legal Ground? If you do not refund these useless insurance in our case. Then we will have no choice than to take this to a Court of law and let them decide on how you have conducted your Business and seek redress that is so obviously due.

This is the forum for the MSE site, shouldn't you be sending this to the credit card company or a solicitor?

dunstonh

I am writing this in reply to how your Company Has treated myself and my Partner over The miss selling of Ppi through (YES CAR CREDIT)

This website has nothing to do with Yes Car Credit.

As they were Acting on your advice we and many others feel you have Failed in your duty to protect your customers from being Miss sold an Insurance that in my situation could NEVER be used as at the time

They were non-advised.

although you were Not a Member of the (FSA) We were told the Ombudsman can't get involved as it it Not in there Jurisdiction.

Regulation didnt start until January 2005. So, pre-2005 cases are not covered by the consumer protections unless there was an earlier body (car dealers didnt have one)

I am Sorry to inform you that NO it's certainly most Not closed! Because you were Not covered by the (FSA) This does NOT Mean you get to Dismiss Our Claim for Repayment And interest on our money and the 8% Compensation we ARE Entitled to for the Miss selling of This USELESS Insurance

It is closed in respect of the regulated complaints process.

we are seeking redress for how Your Representatives (YES CAR CREDIT) Conducted their Selling Of this insurance as if they had listened to what we were telling them

Yes car credit were not agents of an insurer.

If you do not refund these useless insurance in our case. Then we will have no choice than to take this to a Court of law and let them decide on how you have conducted your Business and seek redress that is so obviously due.

That is your only course of action. However, you will almost certainly fail as you are taking the wrong company to court.

lukemurton

I submitted a complaint to Santander regarding PPI on a Burton store card which was initially operated through G E Capital and then Santander.

On 06.07.15 I cancelled the PPI as I was informed it was not a mandatory part of my store card account.

I submitted a complaint to Santander on 21.10.15 and Santander did not respond to my complaint within 8 weeks. I complained to FOS on 29.12.16 as I had not received a response by 16.12.15. In January I received a letter from Santander dated 3 December so it was clear they had backdated their correspondence to appear to remain compliant.

Santander did not uphold my complaint, asserting that it was mis-sold.

FOS responded to my enquiry confirming because the PPI policy pre-dates 14 January 2005 that they do not have jurisdiction to consider my complaint.

I have approached FLA and they have responded almost immediately saying they cannot consider my complaint because I have not submitted new documentary evidence. However, I am at a loss as to why it would be suggested to refer my complaint to them when they don't seem to serve any real purpose or function?? I had submitted new evidence but my response in less than an hour seemed to indicate that they had not even considered my complaint thoroughly. I note they do not seem to have any ability to compel organisations to issue compensation so the FLA appear to be an ineffective 'toothless tiger' at the moment.

Have I exhausted all avenues? Is the next step Court proceedings?

I have spent the afternoon reading up on this but these forums are so huge I can't see any specific advice regarding pre-2005 Santander PPI claims?

Many thanks, Luke

WatchMan

lukemurton wrote: »

I have spent the afternoon reading up on this but these forums are so huge I can't see any specific advice regarding pre-2005 Santander PPI claims?

Many thanks, Luke

Try Financial Insurance Company Limited.

societys_child

lukemurton

Have I exhausted all avenues? Is the next step Court proceedings?

Who are you proposing to you take to court and what illegality have they committed?