PPI Reclaiming discussion Part II

marshallka

Pinknico, when was your loan and PPI??

marshallka

pinknico wrote: »

So if I have to take my Future Mortgages to the FOS can I put in two complaint forms at the same time one on rebate (2006) and one for mis selling (2003) in case the mis selling is not in their jurisdiction?

Found your dates here...

were any of these it

Registered Name Central Capital Limited 23/10/2004
Trading Name Debtbuster Loans 02/04/2005
Trading Name Independent Finance 02/04/2005
Trading Name Independent Mortgages 02/04/2005
Trading Name Loans4business 02/04/2005
Trading Name Loans4tenants 02/04/2005
Trading Name Platinum Loans 02/04/05

marshallka

di3004 wrote: »

Thanks hun, so they did actually have a licence then I take it ?

Click Financial started up in 2005 (or that is when their licence ran from) and they applied in November 2004 for it. At the time CLick Finance was a trading name of Click Financial so it seems in the history. They were linked.

pinknico

The address I was given was Central Capital ltd Watford Hertfordshire wd17 1 jj.

As I said I thought I dealt with Future Mortgages in 2003 but it must have been via Central Capital but all correspondance is Future Mortgages 2003

They have passed the complaint on to them so I will just have to wait and see, I suppose I am lucky they passed it on and didn't just say its not down to us.

di3004

marshallka wrote: »

Click Financial started up in 2005 (or that is when their licence ran from) and they applied in November 2004 for it. At the time CLick Finance was a trading name of Click Financial so it seems in the history. They were linked.

Cheers.
So basically then before that they did not have a licence for any activity but carried on anyway, even though under a different name ? Am I correct or have I got this wrong......:rolleyes:

di3004

pinknico wrote: »

The address I was given was Central Capital ltd Watford Hertfordshire wd17 1 jj.

As I said I thought I dealt with Future Mortgages in 2003 but it must have been via Central Capital but all correspondance is Future Mortgages 2003

They have passed the complaint on to them so I will just have to wait and see, I suppose I am lucky they passed it on and didn't just say its not down to us.

Good that they have passed this on for you, now I would not give them too long and give them a ring if you think its gone on too long and just to make sure they are dealing with your complaint.;)

marshallka

pinknico wrote: »

The address I was given was Central Capital ltd Watford Hertfordshire wd17 1 jj.

As I said I thought I dealt with Future Mortgages in 2003 but it must have been via Central Capital but all correspondance is Future Mortgages 2003

They have passed the complaint on to them so I will just have to wait and see, I suppose I am lucky they passed it on and didn't just say its not down to us.

I don't trust this "them passing it on for you". You need a copy for the FOS that you have complained to them so I would forward your own copy.


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marshallka

di3004 wrote: »

Cheers.
So basically then before that they did not have a licence for any activity but carried on anyway, even though under a different name ? Am I correct or have I got this wrong......:rolleyes:

No, click finance had a licence 05-Aug-2001 until Lapsed on 04/08/2006. But its very confusing in that Click Finance WAS also a trading name of CLick Financial???

halifax71

halifax71 wrote: »

I've queried the missing 8% and they've said

"Our offer does not include an additional 8% interest that is mentioned on the various websites assisting customers with PPI complaints. You would only earn the 8% if you had placed your monthly payments into a savings account with a very generous rate of interest. As it stands we are not offering an additional 8%, however once we have the full calculations we can discuss further."

Am i definitely entitled to this or should i cut my losses? It's about £400.

Right - i've got my final offer.

1) I'll be refunded the PPI payments to date - see below
2) I'll be refunded the 8% interest to date - see below
3) My loan will be rescheduled as if i've never had PPI.

Payment Interest
Date Rates Insurance Days Interest
01/03/2006 8.4% £125.86 944 £26.04
03/04/2006 8.4% £91.79 911 £18.33
02/05/2006 8.4% £91.79 882 £17.74
01/06/2006 8.4% £91.79 852 £17.14
03/07/2006 8.4% £91.79 820 £16.50
01/08/2006 8.4% £91.79 791 £15.91
01/09/2006 8.4% £91.79 760 £15.29
02/10/2006 8.4% £91.79 729 £14.67
01/11/2006 8.4% £91.79 699 £14.06
01/12/2006 8.4% £91.79 669 £13.46
02/01/2007 8.9% £95.35 637 £13.31
01/02/2007 8.9% £95.35 607 £12.69
01/03/2007 9.2% £97.52 579 £12.38
02/04/2007 9.2% £97.52 547 £11.69
01/05/2007 9.7% £101.13 518 £11.48
01/06/2007 9.7% £101.13 487 £10.79
02/07/2007 9.7% £101.13 456 £10.11
01/08/2007 10.0% £103.27 426 £9.64
03/09/2007 10.0% £103.27 393 £8.90
01/10/2007 10.0% £103.27 365 £8.26
01/11/2007 10.0% £103.27 334 £7.56
03/12/2007 10.0% £103.27 302 £6.84
02/01/2008 10.0% £103.27 272 £6.16
01/02/2008 10.3% £105.46 242 £5.59
03/03/2008 10.3% £105.46 211 £4.88
01/04/2008 9.2% £97.53 182 £3.89
01/05/2008 9.2% £97.53 152 £3.25
02/06/2008 9.7% £101.11 120 £2.66
01/07/2008 9.7% £101.11 91 £2.02
01/08/2008 9.7% £101.11 60 £1.33
01/09/2008 10.0% £103.23 29 £0.66
01/10/2008 10.0% £103.23
£3,176.51 £323.22
I've accepted as i don't think i can get much more. Thanks all. :beer:

Now i just need to try and shift the loan to a better APR

pinknico

Thanks for that both of you, I will call them tomorrow and see if they have any correspondance from Future Mortgages, I have been told that the FOS can look at it so I hope thats correct.xx