PPI Reclaiming discussion Part II

marshallka

di3004 wrote: »

I was just curious about Essex loans really, after being told by the liquidators that they had taken over but not any more and yes it is that of Twopart eloan is on the letters, so maybe Essex is not brought into it then..... .

I read they had somewhere. Will post it up when i find it

di3004

marshallka wrote: »

I read they had somewhere. Will post it up when i find it

Thanks, because I know the FSCS has now said they are investigating, they told me this last week, I had also mentioned about Essex county loans to them, the email stated that they were not aware they were linked or so with another company as they had only just started their investigations....:rolleyes:

This was the email received last week or so:

Dear Mrs

Thank you for your further email and the email just received.

I can confirm that if any further information is needed by you we will contact you to let you know.

We are not aware of any other firm that is linked to this firm in any way as we have only just started our investigations.

If you have any further questions please contact our helpline on 020 7892 7300.

Yours sincerely


Senior Claims Officer

marshallka

It was on the OFT Register

CCA Search :: CCA Search Results :: Licence Details


Application / Licence Details




Licence Number:0606810
Licence Status:Current

Current Applicant / Licensee:

Business NameCompany Registration NumberEssex County Loans Limited06330574

Categories:

Consumer credit Credit brokerage Credit reference agency Debt Adjusting/Counselling

Right To Canvass Off Trade Premises:Yes


Trading Name(s) (Current):

Activate e-loan.co.uk eloans.co.uk e-loans.co.uk emortgage.co.uk Essex County Loans Essex County Loans Ltd Essex County Mortgages Just - Money

Issued Date: 06-Oct-2007
Expiry Date: 06-Oct-2012


Legal Formation:

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

NamePositiondavid Gary VanpraaghOfficerMartin David RansomOfficer

Nature of Business:

Mortgage Brokers

Current Address(es):

Address TypeAddressAccept Notices/Documents105, Hamlet Court Road, Westcliff on sea, Southend On Sea, Essex, SS0 7ES, United KingdomCorrespondence105, Hamlet Court Road, Westcliff on Sea, Southend on Sea, Essex, SS0 7ESPrincipal Place Of Business105, Hamlet Court Road, Westcliff-On-Sea, Essex, SS0 7ES, United KingdomRegistered OfficeLynwood House, 373-375, Station Road, Harrow, Middlesex, HA1 2AW, United Kingdom

marshallka

They added eloan as trading names in March 08
(or may 08)
Trading Names:

NameActionActivate


Added e-loan.co.uk
Added eloans.co.uk
Added e-loans.co.uk
Added emortgage.co.uk

di3004

marshallka wrote: »

They added eloan as trading names in March 08
(or may 08)
Trading Names:

NameActionActivate


Added e-loan.co.uk
Added eloans.co.uk
Added e-loans.co.uk
Added emortgage.co.uk

Arh thanks hun.
So I assume all this information will come up when the FSCS investigate?, because if they are actively running under a different names do you think they would tell me to pursue through them, or do you think it then maybe a bit like Click, they will not take any responsibility ??

In july 2005 when we had this loan, we never then known them as Twopart, only eloan.co.uk, as this was all over the paperwork and when speaking to them on the phone they would always say eloan first, as we always used to be in touch by email too....again as eloan.co.uk ???
We do see Twopart on some of the paperwork but like i said did not actually realise that until recently.

marshallka

Just had a call from my mortgage company. My tracker ends next month and then we go up to SVR. A couple of weeks ago before the rate drop of .5% they offered me to change to another product. This would be 6.3%. SVR is 6.5% now. I would have to pay £1000 to change to this product to say myself in the long run £20 per month over 3 years. (with penalties if I move to another). So in all this would save in the long run (as todays interest rate is) £720 but cost me £1000 to do it... :rolleyes: . I told them I would wait thankyou...

di3004

marshallka wrote: »

Just had a call from my mortgage company. My tracker ends next month and then we go up to SVR. A couple of weeks ago before the rate drop of .5% they offered me to change to another product. This would be 6.3%. SVR is 6.5% now. I would have to pay £1000 to change to this product to say myself in the long run £20 per month over 3 years. (with penalties if I move to another). So in all this would save in the long run (as todays interest rate is) £720 but cost me £1000 to do it... :rolleyes: . I told them I would wait thankyou...

Golly its an awkward situation really isn't it

No doubt now you will get many telephone calls from mortgage brokers of offers and deals.

I did find Chelsea Building Society good at the time, in 2003 that was mind, they always seemed to have good deals then for new customers, not sure about now though......:rolleyes:

marshallka

Just rang the FOS about Barclays Firstplus and unfair rebate of PPI and they are thinking of looking into this one.

All the others of unfair settlement they have agreed that Firstplus were right and its outside jurisdiction:mad: .

I then said to her "well if you found in their favour that they are right on this then they will find in their favour that they are right on the rebate as well".

To which she replied "they are completely different things here and a lot of PPI complaints are upheld like these." She said they would try to see if the rebate was "not right". I then asked her what she mean't by "not right" and she then said that "was I happy with the rebate" and I said "no". I said that PPI cost me £9000 and i got £90 back - was that fair and she said well that is what we will try and help with.

I asked again about fast track and she said it was still waiting to be looked at by the fast track team. I know now that my co-op one was fast tracked but she said that did not make a difference. I will just have to be very patient here i suppose. At least one of mine was fast tracked so my adjudicator told me. (must have been!!)

marshallka

di3004 wrote: »

Golly its an awkward situation really isn't it

No doubt now you will get many telephone calls from mortgage brokers of offers and deals.

I did find Chelsea Building Society good at the time, in 2003 that was mind, they always seemed to have good deals then for new customers, not sure about now though......:rolleyes:

This was from my exisiting provider. What cheek to tell me that I would be going up to SVR being 7% (as of today but going down with Intelligent Finance to 6.5% in the next couple of weeks). He tried to pull a fast one here for the commission i would think. They offered us a product a couple of weeks ago which was before this drop in interest. It was 6.8% and will become 6.3% because of the drop. That in my reckoning over 3 years would save us £700 and cost us £1000. Where is the fairness there....I pointed this out to him and he just said "you know we are not allowed to advise". (Yeah right)

di3004

marshallka wrote: »

Just rang the FOS about Barclays Firstplus and unfair rebate of PPI and they are thinking of looking into this one.

All the others of unfair settlement they have agreed that Firstplus were right and its outside jurisdiction:mad: .

I then said to her "well if you found in their favour that they are right on this then they will find in their favour that they are right on the rebate as well".

To which she replied "they are completely different things here and a lot of PPI complaints are upheld like these." She said they would try to see if the rebate was "not right". I then asked her what she mean't by "not right" and she then said that "was I happy with the rebate" and I said "no". I said that PPI cost me £9000 and i got £90 back - was that fair and she said well that is what we will try and help with.

I asked again about fast track and she said it was still waiting to be looked at by the fast track team. I know now that my co-op one was fast tracked but she said that did not make a difference. I will just have to be very patient here i suppose. At least one of mine was fast tracked so my adjudicator told me. (must have been!!)

So its looking hopeful then by the seems of it, fingers crossed hun.;)

You would think as your details would be on computer about fast track anyway they would look into having this one fast tracked too, I hope so.

I know when we had the form back, the one that the FOS filled in here and there, they had added my hubby's old work details and had this on their computer systems from when they were dealing with nemo, they had down steel worker......:rolleyes: .