PPI Reclaiming discussion Part II

marshallka

di3004 wrote: »

Hmmm, yes something not right there Dreamer......

What do you think it is Di...

di3004

marshallka wrote: »

What do you think it is Di...

Its the dates from what I can make out..... You would think they would give at least 7 days.....
What do you think ?
Yet you did add something on here last night about this didn't you ?

Unless I have mis read this somehow, yet with mine my money was in the account before they returned my contracts to me with Endeavour.....

I am going to double check the dates on my statements online, just in case.

di3004

Right just checked my online banking, and I got it the wrong way round, Endeavour agreement was signed on the 30th July 2004 and the money was in the account on the 3rd August 2004, so 4 days after signing, now should that have been though ?
Because by the time we signed and sent back the agreement, it must have got back to them through the post on the 31 July........

dreamer33

marshallka wrote: »

What do you think it is Di...

It actually happens on more than one occasion. I think if they are printed direct from their system then someone has tampered with the notes.

I think I need to clarify this with FF. Will write again and ask the question carefully lol

Does anyone know if an unregulated agreement has the same 7day period as a regulated one? I can't find this anywhere.

dreamer33

di3004 wrote: »

Right just checked my online banking, and I got it the wrong way round, Endeavour agreement was signed on the 30th July 2004 and the money was in the account on the 3rd August 2004, so 4 days after signing, now should that have been though ?
Because by the time we signed and sent back the agreement, it must have got back to them through the post on the 31 July........

Does in not tell you in your SAR what date they received the app mine does

di3004

dreamer33 wrote: »

Does in not tell you in your SAR what date they received the app mine does

Not come across anything in the SAR, yet we know it was the day after we signed, as we posted by recorded delivery, we do still have the post office slip somewhere, but yep signed on the 30 July, they received this 31 July and money in the account 3 Aug, and we then received copies of our agreement in the post a few days after the money went in..... .

As we get problems with our post where I live, due to almost the same addys, for example X apple green, we also have then for example apple close, apple gardens, and apple road, well me and hubby were worried in case these were lost in the post or gone to the other similar addresses all surrounding us, so we rang the broker, they said they had not been sent out yet but they were dealing with them that day.....

Mine was a regulated agreement, maybe Marshallka could confirm the difference with the unregulated hun, I still get confused with this matter.

di3004

Here is some info on Cooling periods, although I think this is what it is at present, still maybe useful.;)

http://www.moneyextra.com/dictionary/cooling-off-period-004050.php

di3004

Also found this chart/form on the FSA website which must be what is used when PPI is taken by finance firms:

http://www.fsa.gov.uk/pubs/other/IRR_forms/PPI3_monthly_return.xls

marshallka

dreamer33 wrote: »

It actually happens on more than one occasion. I think if they are printed direct from their system then someone has tampered with the notes.

I think I need to clarify this with FF. Will write again and ask the question carefully lol

Does anyone know if an unregulated agreement has the same 7day period as a regulated one? I can't find this anywhere.

They do this all the time.. I don't think many that have been told they have gone through a broker actually did do..It just seems that so many people must have had amnesia at the time of taking out their loans with Firstplus..

marshallka

I have just had a thought here. I am complaining against the insurer for the term in the policy of the insurance that mentions about the not in proportion bit and rule 78.... now under unfair terms in contracts it says that

Effect of unfair term
8. — (1) An unfair term in a contract concluded with a consumer by a seller or supplier shall not be binding on the consumer.

(2) The contract shall continue to bind the parties if it is capable of continuing in existence without the unfair term.

Now if the contract could not have carried on without that term... as this could not is the claim then against the person that the loan of the PPI is with... ie FIrstplus after all it is Firstplus that the contract is actually with...

I need some clarification on this one...

May have to get in touch with the Ombudsman service again... They have directed me to the insurers here... I think I also need the courts as this contract could not have carried on if that term was removed and that included the contract of the loan...