PPI Reclaiming discussion Part II

di3004

marshallka wrote: »

Just found an address on the insurance documents of Firstplus policy and it says in small print at the bottom of the policy

Customer enquiries

We hope that this insurance will meet your requirements. Any enquiry or complaint that you may have should be addressed, in the first instance, to the claims manager of the scheme Administrators at the address above. Should you not be satisfied with their response,you may ask the complaints and advisory department at Lloyds to review your case. If you still remain dissatisfied you may contract the insurance ombudsman. The scheme administrators will provide thefull address of these organisations and the referral of your complaint to them and will not affect your rights in law...

Then it says how to claim

Miller Firstline (NLA) limited
PO Box 1910
Waltham Cross
Hertfordshire
EN8 7UA
Tel 0870 2414013

Now just googled this "Miller Firstline" and they are part of Miller Fisher Group and

How would anyone have been elegible to make this claim for their cashback from these....



Name & Registered Office:
MILLER FIRSTLINE (NLA) LIMITED
20 SAINT DUNSTANS HILL
LONDON
EC3R 8HY
Company No. 01577087

Status: Dissolved 04/11/2003
Date of Incorporation: 30/07/1981

Country of Origin: United Kingdom
Company Type: Private Limited Company
Nature of Business (SIC(03)):
6603 - Non-life insurance
Accounting Reference Date: 31/12
Last Accounts Made Up To: 31/12/2000 (FULL)
Next Accounts Due:
Last Return Made Up To: 31/01/2002
Next Return Due:
Last Members List: 31/01/2002
Previous Names:Date of changePrevious Name24/09/1998MILLER FIRSTLINE LIMITED03/08/1998NLA GROUP LTD06/06/1994NEIL LEWIS & ASSOCIATES GROUP LIMITED01/11/1985NEIL LEWIS AND ASSOCIATES LIMITED12/09/1989I.M.T.G. LIMITED

Another company dissolved then ???:mad:

marshallka

di3004 wrote: »

Another company dissolved then ???:mad:

Just added this to it

ALTHOUGH THESE ARE ONLY THE APPOINTED ADMINISTRATORS ON BEHALF OF THE INSURERS..

WE WERE NOT NOTIFIED OF THIS AT ANY POINT ALTHOUGH THEY LIQUIDATED AFTER WE SETTLED THE LOAN BUT MOST PROBABLY STARTED ABOUT THE TIME WE SETTLED.

pinknico

di3004 wrote: »

Hi Pinknico

Didn't your SAR even have anything to show that PPI was taken ?

If this did not then they did not fully comply to your SAR request, because if this was added in with any credit, the company are obliged to add this information in with the documents.

Mind you this did happen to one of my mates where the ICO are now involved.;)

I have the credit card agreement with no mention of PPI.

PPI is added to the loans (no sign of the word optional)
No paperwork or cds showing choosing PPI.

di3004

marshallka wrote: »

Just added this to it

ALTHOUGH THESE ARE ONLY THE APPOINTED ADMINISTRATORS ON BEHALF OF THE INSURERS..

WE WERE NOT NOTIFIED OF THIS AT ANY POINT ALTHOUGH THEY LIQUIDATED AFTER WE SETTLED THE LOAN BUT MOST PROBABLY STARTED ABOUT THE TIME WE SETTLED.

Wonder if anyone had taken over these ?

pinknico

What about the other people who didnt settle who did they claim from ,the fscs?

di3004

pinknico wrote: »

I have the credit card agreement with no mention of PPI.

PPI is added to the loans (no sign of the word optional)
No paperwork or cds showing choosing PPI.

I do have the monthly statements which prove that ppi were taken, and some SAR paperwork on the credit card, they also added that I had questioned about PPI during a phone call in 2004, and I know this was on behalf of my hubby as he had a bad back and was from work for 66 days, as this is a recurrent problem since year 2000, and they he would not be able to claim, they did not add that comment though, but I remember as plain as day asking this.

And I have some loan agreements some with and some without ppi.

pinknico

What is your basis for mis selling?

marshallka

bathgatebuyer wrote: »

They hadn't told me that, no. My case was only agreed to fall under the FOS jurisdiction after I forwarded a letter to them from the OFT in which the OFT said that behaviour of the type I'd described would be unlawful and something that the FOS would investigate - nothing about timescales.

The second part of my complaint is about the miss-sale of the PPI cover on the card, and the final part that Sainsburys have refused to put the account on hold until a decision in the dispute is reached. There's been about £160 in interest alone added to this while I'm waiting for it to be resolved.

Wow, unlawful ey... I know two of my agreements from the co-op are not signed on the front and one copy they sent me first of one of them actually had the words of "x me" on the front and then another completely blank.. Also when they sent more copies with the SAR they have whitted out their signature bit too. I noted that with the FOS but tiggrae told me to not complicate matters and said that if this was a PPI complaint then the other about the agreement would be a banking complaint and I would confuse the FOS. May get another complaint in now about this if it is unlawful..;)

marshallka

di3004 wrote: »

Wonder if anyone had taken over these ?

Di, no-one has taken these over but the point is that to claim the cashback part of the Firstplus policy you had to write to this company within 30 days of the end of the 5 years to get the cashback and they did not exist.

They are not the insurers, that is LLoyds and that is who my complaint that the FOS are writing about goes to not the administrators.

di3004

pinknico wrote: »

What is your basis for mis selling?

Well me and hubby were given separate cards, he was the holder of his and me on mine was too.

Hubby's ppi was added, they did not ask at the bank, but just added the ticks themselves yet he has pre history probs that would not have covered him and with mine I was a homemaker with just the children's benefits, it was ticked as homemaker too, yet they ticked the box for cover for unemployment, sickness/accident on mine, they would not have covered me and me and hubby used to think they were just part of the agreement.......

We did not even get the chance to even read the terms and conditions, just sign where its crossed sort of attitude, this was as from 2001.