PPI Reclaiming discussion Part II

mon1o

ok i have read this so we dont send anything to Freedom, we send the letter and SAR to Bespoke finance? Or am i wrong? Or do i send an email to the address on the thread you linked to and tell them about the claim before i start?

Sorry im so confused! Do i need to send an email to the address given and tell them i think we have been missold our PPI?

cmac

sarahc5388 wrote: »

This is true - and I am enjoying that thought!:rotfl:

I agree I hope they have to work very very hard to find all our details he! he!

marshallka

mon1o wrote: »

ok i have read this so we dont send anything to Freedom, we send the letter and SAR to Bespoke finance? Or am i wrong? Or do i send an email to the address on the thread you linked to and tell them about the claim before i start?

Sorry im so confused! Do i need to send an email to the address given and tell them i think we have been missold our PPI?

The letter is to Freedom Finance and if they (as i would think they will) tell you that they were only doing this for Bespoke Finance then you (like everyone else more than most likely) will be told they have now passed your complaint to Bespoke. Bespoke will probably write back (as they do even before you have had a chance to write to them) and say you ticked the box and there is nothing else you can do. As Bespoke is not regulated by anyone they cannot be touched and even if you do take them to court through the uk courts and win then the uk bailiffs cannot go into Gib so really you have to wait and see what Freedom say.

I would ask Freedom for your SAR. I have but as yet they have done nothing as they say "we were only processing your loan for Bespoke".

What Tiggrae did was to get in touch with FSC in Gib and asked if they needed to be regulated and the enforcement office in GIB told her if they had been selling insurance they would have to investigate. They should of been regulated but were not.

Please email the enforcement in GIB and ask about Bespoke and tell them that Bespoke Finance sold you the ppi. They will email back straight away. Only do this is you call Freedom and are told that it was a Bespoke Loan. (which looks likely)

cmac

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..

hi YEOSAL
thats really funny did you could you do it ??

shamrock7

Hi,
I'm new to this PPI reclaiming and wonder if anyone can help. I have just investigated a loan I had with welcome finance that was resettled in Oct 2003. I have all the info including the loan agreement number and have also found out I was charged PPI of £331.19 and that although I borrowed only £1300 I was charged £2699.52 in full! What a rip off looking back but silly at time.
Can anyone advise what I can claim for as the PPI was definately mis-sold as led to believe I had to take it. The office and staff that dealt with my particular case is now closed and staff all left. I have however taken it up with head office. Thanks in advance!

cmac

sarahc5388 wrote: »

for Endeavour!

hi
what does that mean? as I have 3 PPIs with barclays one of which has been turned down as my OH has made a claim. Is there something else I`m missing
thanks

alleybabes

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.

Hi m colak u were missed! i am claiming i was pushed into the ppi so am not denying i signed it so its my word against theirs really,i have all the paperwork but its photocopied as it was sent by them with their application to put the judgement aside

marshallka

cmac wrote: »

hi
what does that mean? as I have 3 PPIs with barclays one of which has been turned down as my OH has made a claim. Is there something else I`m missing
thanks

I think he has another interest in it and has a business

mon1o

marshallka wrote: »

The letter is to Freedom Finance and if they (as i would think they will) tell you that they were only doing this for Bespoke Finance then you (like everyone else more than most likely) will be told they have now passed your complaint to Bespoke. Bespoke will probably write back (as they do even before you have had a chance to write to them) and say you ticked the box and there is nothing else you can do. As Bespoke is not regulated by anyone they cannot be touched and even if you do take them to court through the uk courts and win then the uk bailiffs cannot go into Gib so really you have to wait and see what Freedom say.

I would ask Freedom for your SAR. I have but as yet they have done nothing as they say "we were only processing your loan for Bespoke".

What Tiggrae did was to get in touch with FSC in Gib and asked if they needed to be regulated and the enforcement office in GIB told her if they had been selling insurance they would have to investigate. They should of been regulated but were not.

Please email the enforcement in GIB and ask about Bespoke and tell them that Bespoke Finance sold you the ppi. They will email back straight away. Only do this is you call Freedom and are told that it was a Bespoke Loan. (which looks likely)

Thankyou so very much for being so patient and helpful. I have done the letter and the SAR and will send them to Freedom Finance tonight by recorded delivery in the same envelope so i know they have received both. Once i hear back i will let you know. Thankyou so much once again!

Monica x

Laini

marshallka wrote: »

I did say that to them. I kept emphasising to them that i need to make a claim now but he even said "thats what we are here for". I told him a few times that it was taken out in 2000 and it was not within their jursidiction and again he said "but it ran until 2003 when you settled the loan". He again said to wait. I feel i can't trust anyone and that i am going to not get the chance of the courts but i don't want the FOS to get fed up of me ringing. I will be mighty annoyed if they have informed me wrong but he DID say to hang on. Maybe they do know something and that is i don't stand a chance. (LOL).

PLEASE DONT GIVE UP PLEASE WAIT FOR THE FOS!!
They know how frustrated we are but they need time to look at it.
Laini xxx