PPI Reclaiming discussion Part II

m.colak

ANY_CHANCE wrote: »

I have contacted FOS to see if they can guide me in the right direction

my thoughts are that i should be able to accept the amount offered from first plus which is 50% of PPI

and then claim the remainder of the cost of PPI plus payments made and intrest from norton finance if FOS uphold mis-selling claim

You could always say that you accept the offer without prejudice however you will be seeking the remainder of the monies. At this moment you haven't decided whether this will be via the FOS or Court as you are currently receiving legal advice.

hdg

hi,
i am new to this site.would like to ask some advise, took a loan w/ ppi in hfc - beneficial finance but could not remember when but still know the account number, in april 2004 took another loan again with ppi for 5 years and repay the old one been paying this loan for a while then deciced to settle and closed the account but could not remembr when. i was pushed to get those ppi and make me feel that the loan would not be approve without this although the agreement clearly said that is optional.would i be able to reclaim this? how could i get the details of my loan? thanks for any help.

m.colak

hdg wrote: »

hi,
i am new to this site.would like to ask some advise, took a loan w/ ppi in hfc - beneficial finance but could not remember when but still know the account number, in april 2004 took another loan again with ppi for 5 years and repay the old one been paying this loan for a while then deciced to settle and closed the account but could not remembr when. i was pushed to get those ppi and make me feel that the loan would not be approve without this although the agreement clearly said that is optional.would i be able to reclaim this? how could i get the details of my loan? thanks for any help.

Check Laini post 219# in there is a nice SAR template which requests all information pertaining to the loan. There is a nominal £10 charge however with all that information you will be able to reclaim a lot easier.

ANY_CHANCE

m.colak wrote: »

You could always say that you accept the offer without prejudice however you will be seeking the remainder of the monies. At this moment you haven't decided whether this will be via the FOS or Court as you are currently receiving legal advice.

Thanks for your reply

i think i will try that and see how it goes, to be honest i could do with the money sooner rather than later.

I will still chase up Norton as well for the mis-selling side of things and hope to reclaim the remainder of money i have paid out

marshallka

m colak, i have just had a reply from the FSA that the woolwich were regualted by them as follows

Woolwich Plc was regulated by the FSA from 01/06/1998 until 11/05/2004 and its firm reference number is 106053. All the firms we regulate appear on the FSA Register www.fsa.gov.uk/register and each firm's 6 digit reference number is unique. You can check if a firm is on the FSA Register by searching under its name, postcode or firm reference number.

Now if Firstplus were owned by the woolwich in 2000 as barclays acquired them in aug 2000 can i not go back to the FOS with regards to my ppi. What do you think.

I had found this article before saying



Barclay's acquired First Plus as part of its £5.4bn takeover of Woolwich, the former building society turned bank, in August 2000. Woolwich had itself bought First Plus in 1998 for about £25m after FirstPlus Financial, the Dallas-based parent company, ran into financial difficulties.

Darth_chaffinch

Hi, sorry but I can't seem to find a post on this: to request copies of Egg credit card and loan statements do I have to send 2 cheques for £10 or just 1 please? Also, can anyone link me to the Egg address for requests pls?

Thanks

m.colak

marshallka wrote: »

m colak, i have just had a reply from the FSA that the woolwich were regualted by them as follows

Woolwich Plc was regulated by the FSA from 01/06/1998 until 11/05/2004 and its firm reference number is 106053. All the firms we regulate appear on the FSA Register www.fsa.gov.uk/register and each firm's 6 digit reference number is unique. You can check if a firm is on the FSA Register by searching under its name, postcode or firm reference number.

Now if Firstplus were owned by the woolwich in 2000 as barclays acquired them in aug 2000 can i not go back to the FOS with regards to my ppi. What do you think.

I had found this article before saying



Barclay's acquired First Plus as part of its £5.4bn takeover of Woolwich, the former building society turned bank, in August 2000. Woolwich had itself bought First Plus in 1998 for about £25m after FirstPlus Financial, the Dallas-based parent company, ran into financial difficulties.

Unfortunately regulated by the FSA and FOS are not the same thing. You can phone but I think this is what they will tell you.

marshallka

m.colak wrote: »

Unfortunately regulated by the FSA and FOS are not the same thing. You can phone but I think this is what they will tell you.

I have just looked at my email again from the FOS and they say Worstplus were not regulated by the GISC until 20 November 2001. So do all ppi claims have to be regulated by the GISC and it had nothing to do with the FSA.

marshallka

Darth_chaffinch wrote: »

Hi, sorry but I can't seem to find a post on this: to request copies of Egg credit card and loan statements do I have to send 2 cheques for £10 or just 1 please? Also, can anyone link me to the Egg address for requests pls?

Thanks

Are you requesting them for separate accounts. I think just a SAR would produce the lot for you from the same company and it requests more than just the statement. I would look for a template letter and just send one cheque.

m.colak

marshallka wrote: »

I have just looked at my email again from the FOS and they say Worstplus were not regulated by the GISC until 20 November 2001. So do all ppi claims have to be regulated by the GISC and it had nothing to do with the FSA.

Its a bit of a funny one as the FSA took on the responsibility of the GISC later on so the GISC ceased to exsist after a while either way. The GISC were a government body so either way they would of initially come under their duristinction before coming under the FSA. Either way all that matters is that you relate to the correct Policy/Act violation in the relavant organisation.