PPI Reclaiming discussion Part II

dazzer26

have just started a claim against first plus,first letter went off last week and got a reply within 2 days saying they will look into the claim and let me know by 30th june,can anyone tell me how repayment is worked out,is it done by how much you have paid or based on the whole ppi premium any help will be gratefully received.
many thanks to martin and to everyone in the forum for sharing you knowledge it has inspired me to go ahead with the claim,will post again when i know anything.
thanks again
darren

spoll_2

Laini wrote: »

did he realise what a single premium policy was?
or is it because of unfair rebate ?
or both =mis sold +unfair rebate

Laini xxx:j

Hi Laini - I'm not really sure what we should be claiming to be honest!
I have used the template letter and sent to FirstPlus and they have said that the PPI was not with them but Norton finance. They have also sent the original signed application for which has the 'No' box ticked for PPI.
However, this contradicts loan agreement that we have (signed on the same date) includes payment for PPI - so it looks like there was no other option given which is part of my reason for claiming. My Dad is sure that via phonecalls he constantly said no to PPI.
FirsPlus have passed the complaint onto Norton Finance so I guess we'll just wait and see what they come back with.
Do you think it is PPI or unfair settlement that we should be claiming for? I guess we haven't lost anything claiming for the PPI and see what comes back. If it is not satisfactory (ie I beleive he has effectivly payed the PPI so a full rebate of circa £10k) then maybe the best bet is the ombusman and see what they make of it?
Thanks for any further advice you (or anyone else!) can offer.

chipbeck

Can't find my original post. But if it jogs anyones memory it was a Debenhams card where GE Money kindly sent a copy of the CCA fro 1996 clearly showing that protection wasn't required.
As some of you kind souls predicted they have replied saying that it was requested over the phone. Utter rubbish but how the hell can we prove this. Please help as the wifes telling me she new I'd get nowhere but these people are just lying thieves who have really upset me.

alleybabes

marshallka wrote: »

Where is m colak when you need him. He should be back before then hopefully. Good luck, its scary isn't it:eek:

thanks i think im gona need it:eek:

sahra

marshallka wrote: »

Did you want the barclayloan protection? If not and it was a must of the loan then you should claim. What was the date you settled? You should be able to just write and then you will have to wait for their final response and then go to the FOS if you don't get anywhere. You may need to spend £10 on a SAR to get all the details they hold about you.

The last payment was Sept 07.
When applying online, PPI was added on automatically, but I suppose we could have then chosen a quote without
Thanks

Laini

bernice wrote: »

i feel that they have taken 2x ppi and stitched me up twice!!!! anyway how can they say 1 was missold but the other was not? i dont understand

have you sent a SAR it will show all transactions and info on the account
make sure you get all the info on both loans
post up the figures so we can see what you have paid.
also they will send the phone calls on a disc but listen carefully to them, cos they can really twist your words and not give you clear info
Laini xxx (page 21 for SAR):j

Laini

spoll wrote: »

Hi Laini - I'm not really sure what we should be claiming to be honest!
I have used the template letter and sent to FirstPlus and they have said that the PPI was not with them but Norton finance. They have also sent the original signed application for which has the 'No' box ticked for PPI.
However, this contradicts loan agreement that we have (signed on the same date) includes payment for PPI - so it looks like there was no other option given which is part of my reason for claiming. My Dad is sure that via phonecalls he constantly said no to PPI.
FirsPlus have passed the complaint onto Norton Finance so I guess we'll just wait and see what they come back with.
Do you think it is PPI or unfair settlement that we should be claiming for? I guess we haven't lost anything claiming for the PPI and see what comes back. If it is not satisfactory (ie I beleive he has effectivly payed the PPI so a full rebate of circa £10k) then maybe the best bet is the ombusman and see what they make of it?
Thanks for any further advice you (or anyone else!) can offer.

I know I always say send a SAR its really worth it cos you get to know everything on the account.
then you can see what you need to do
Laini xx:j

marshallka

bernice wrote: »

hi.i had a loan with first plus with a single payment ppi, then after a yr i got another , payed off the original loan (including the ppi) and set up another with the same t&c.(another single ppi) i have written to claime misssold single ppi. thay have agreed to the first one and asked us to sign an acceptance to cancel and payment(? how much) but refuse to agree to the second. they said that the tapes show that me and the OH agree to the terms.i have written back asking them to look into it again.
im not sure what to do from here? whether the accptance means the cancel of both ppi or just the first. i had a letter to say they have recieved my letter and will respond after the recheck. can anyone advse im a bit lost.

you can ask for a SAR and then see for yourself. I would say that what they have records of you saying is that you wanted the same term of the second loan and that they took it you required PPI.

marshallka

sahra wrote: »

The last payment was Sept 07.
When applying online, PPI was added on automatically, but I suppose we could have then chosen a quote without
Thanks

If it was added automatically maybe you thought it was a condition of the loan. I would still ask for a SAR and explain that you thought with it being automatically added that it was a condition. Did it then ask you about existing medical things and were you explained the terms and conditions of the policy. Its worth a claim if you feel you were mislead.

Laini

still no news from FIRST PLUS on redress figure after winning through FOS -mis sold PPI
got letter from FOS to say that Nemo still havent sent a reply to FOS to defend themselves
FOS backing us claiming of missold and unfair rebate of ppi

so will be sending a few emails on monday to FP and Nemo so hopefully will get some progress on them.
(I am hoping for a good news by the end of week- it is my birthday on friday)

Laini xx:j