PPI Reclaiming discussion Part II

marshallka

Just rang the FOS and asked whether they are looking into the ppi bit of our loan and I told him that we were going to take it the court route as it was outside their jurisdiction and they told me to hang on. Apparently it has not been assigned to an adjudicator yet but i did stress about the limitations act and he still said "hang on". I then said that Firstplus were not GISC regulated at the time and he said "they were when you still had the policy in 2003" so I now do not know what to do. They have requested everything from Firstplus that they hold about the loan and policy and are waiting for this information from them. I am so in limbo here. If i hang on and then they say "sorry we can not look at the ppi" i may be outside my limit for making a claim. They have said that it takes 6 to 9 months to settle these claims. I did mention again that we need to start court proceedings and he again said "hang on, thats why we are here". I don't trust anyone do I.

I was told when i called the FOS and when i emailed that it was outside their jurisdiction. Now they are saying to hang on.They sent a claim form out about the "settlement" as they said that was something they could look at and i added about the ppi on there. Maybe they know I don;t stand a chance and don't want me to waste any more money.

Any advice much appreciated.

marshallka

YEOSAL wrote: »

I was asked to mystery shop banks to see how they sell PPI with loan applications. They asked me to do my own bank..

I would love that.

Elsie2_2

tiggrae wrote: »

Elsie2 wrote: »

look at my post on #2339 - this is important for yourself as well !!!!

I've actually used some of that in a previous letter i sent directly to first direct. It was very useful.
I made my last payment to First Direct on 21st June 2002 and i began proceedings in the form of my first letter to them on 3rd November 2007, so unless you advise otherwise, i think i'm correct in thinking this is within the 6 years.

sparky0107

marshallka wrote: »

I keep getting FREEDOM FINANCE loan applications through the post now.:eek:

Morning marshallka,
These bar stewards are putting you through the mill aren't they kid, can't wait to read a post from you to say that you've finally won.

Good Luck & keep fighting them

marshallka

sparky0107 wrote: »

Morning marshallka,
These bar stewards are putting you through the mill aren't they kid, can't wait to read a post from you to say that you've finally won.

Good Luck & keep fighting them

Thanks for that. I know. I want to post a post saying i've won too. I bet you are all getting fed up of me here.:o

rozzid

angelwillow wrote: »

How long did the FO take to get back to you? I have a complaint with them against Capital One since March and am just wondering if I will have to wait months just to be told the same thing.

I originally wrote to the FO on 8th January this year and got their 'decision' on 6th June

Absolut_Wench

sarahc5388 wrote: »

Hi - glad you sent the SAR. Search this thread as I'm sure you will find other posts on Endeavour and Norton. Did you you send them Martrins 1st letter and have they sent a response yet?

I've only just sent the SAR request - I was waiting for Mum to dig out her paperwork and send it to me so I had account numbers, etc.

There is a surprisingly small amount of 'official' paperwork - just copies of the agreement and charge on the property, and a list of sums for consolidation.

Most of the bundle she gave me was paperwork my parents had supplied to support the application - wage slips, marriage certificate, utility bills, etc

So, I'm hoping that Endeavour/Norton can provide a lot more info to give us a better picture - and most importantly, the tapes of the application.

I'll keep you posted, as I'm sure I'll need help with this one. From reading other posts, Endeavour don't seem the easiest to deal with :mad:

The good news (which I should post in the success thread) is that I've claimed back over £3K in PPI applied to my Dad's HSBC loan and £460 from the Accident Cash Plan applied to his Marbles credit card (they had no proof he asked for it, and I wouldn't take no for an answer)

:j :j :j :j :j :j

marshallka

m.colak wrote: »

Hi am only popping on for a little while as am on holiday at the moment with my wife and son. You don't require your original paperwork as long as it doesn't differ from the paperwork that will be submitted by the company in defense of your claim. When or if they file a defense, then this should include a copy of the original agreement. I would heartly recommend sending off the SAR to redeem the rest of the paperwork relating to your policy unless you have enough evidence with the corresponding photocopy and reference the acts and regulations in which it was is breach of.

m.colak... you having withdrawal symptoms.

sarahc5388

marshallka wrote: »

Just rang the FOS and asked whether they are looking into the ppi bit of our loan and I told him that we were going to take it the court route as it was outside their jurisdiction and they told me to hang on. Apparently it has not been assigned to an adjudicator yet but i did stress about the limitations act and he still said "hang on". I then said that Firstplus were not GISC regulated at the time and he said "they were when you still had the policy in 2003" so I now do not know what to do. They have requested everything from Firstplus that they hold about the loan and policy and are waiting for this information from them. I am so in limbo here. If i hang on and then they say "sorry we can not look at the ppi" i may be outside my limit for making a claim. They have said that it takes 6 to 9 months to settle these claims. I did mention again that we need to start court proceedings and he again said "hang on, thats why we are here". I don't trust anyone do I.

I was told when i called the FOS and when i emailed that it was outside their jurisdiction. Now they are saying to hang on.They sent a claim form out about the "settlement" as they said that was something they could look at and i added about the ppi on there. Maybe they know I don;t stand a chance and don't want me to waste any more money.

Any advice much appreciated.

Maybe they know something new - phone them back and ask them what happens if it goes over the time limit while you are waiting?

sarahc5388

marshallka wrote: »

Thanks for that. I know. I want to post a post saying i've won too. I bet you are all getting fed up of me here.:o

Not fed up at all - can't wait till you put your winning post on here! Keep at em! (sending you lucky vibes)