Bankrupt Double Glazing Company

Gordon44

We bought windows from Zenith Windows in 1997 using a credit company called First National over a 10 year period. Within the agreement is an option to opt out of PPI which we did but the salesman included £259.05 in the total for PPI anyway.
Some time ago I contacted Zenith who said that that particular company had gone into liquidation so they were not responsible. I then found out that Santander had taken over First National so contacted them and asked for refund of PPI but told by them that they did not take on any of the responsibilities of First National when they bought them out. I then contacted another official body (not sure if it was the ombudsman or not) and got a reply telling me that although it looked as though I had a claim, as it was before the date that protection legislation came into force I could not get anything.
Unfortunately I was so angry that I had clear evidence but still couldn't claim that I threw out most of the paperwork but I've been thinking about it again recently and wonder if that was in fact the correct response.
I still have a copy of the credit agreement showing the statement of rejection of PPI and The Schedule showing the inclusion of PPI. Is it worth making another claim and if so who to?

[Deleted User]

No. It's pre-regulation and the seller no longer exists.

Nasqueron

If the seller was not a regulated body (e.g. banks) before 2005 then they do not need to look at complaints about sales of insurance etc.



Why did you sign the paperwork agreeing to take out the policy with the PPI on it?

dunstonh

Regulation started in Jan 2005. So, double glazing companies only became regulated from that point. FSCS protection started with regulation in 2005. So, any pre-regulation case where the seller no longer exists means you have no-one to complain to.

I then contacted another official body (not sure if it was the ombudsman or not) and got a reply telling me that although it looked as though I had a claim, as it was before the date that protection legislation came into force I could not get anything.

That sounds like the FOS as they tell everyone they have a case when you speak to them on the phone. And they cannot look at cases where the firm does not exist.

Is it worth making another claim and if so who to?

You have no-one to complain to as the seller no longer exists and there was no protection scheme in place at point of sale.

Gordon44

Thanks guys. Just as I suspected. I wasn't entitled to endowment miscellany either! Just my luck.