PPI Reclaiming discussion Part II

marshallka

Laini wrote: »

hi Marshsalka
yo seem to be making progress keep at 'em
got my fingers crossed for you
Laini x:j

Just my luck for my SAR to arrive from Freedom and it have a letter in it saying "can i have that lovely 5 year policy that you sell alongside that loan - can i - can i- please"
I can't wait for my SAR and from what Bespoke told me today they have traced my details and sent them over to Freedom for checking over so hopefully it should be soon. I bet they will still deny it. I still feel it was firstplus that sold it though. Someone will take responsibity.

YEOSAL

marshallka wrote: »

Just my luck for my SAR to arrive from Freedom and it have a letter in it saying "can i have that lovely 5 year policy that you sell alongside that loan - can i - can i- please"
I can't wait for my SAR and from what Bespoke told me today they have traced my details and sent them over to Freedom for checking over so hopefully it should be soon. I bet they will still deny it. I still feel it was firstplus that sold it though. Someone will take responsibity.

I think you and all the others that have dealings with Bespoke/FF should send emails to watchdog programme. That is just the kind of think they would go for and could help with the reclaiming if they are named and shamed

YEOSAL

sarahc5388 wrote: »

Yeosal, if i don't get chance - all the very best of luck with your court case - hopefully it won't actually get to it and they'll settle beforehand

Thank you, I am not stressed about it yet, but probably will be after the weekend! I think I can win in court and I will give it eveything I have got. Then its on to the next court case. I just want it to all be over now. Has taken over six months to get this far.

marshallka

YEOSAL wrote: »

I think you and all the others that have dealings with Bespoke/FF should send emails to watchdog programme. That is just the kind of think they would go for and could help with the reclaiming if they are named and shamed

Oh, their time will come.

I have just googled Bespoke and i was quite busy yesterday doing reviews on Freedom Finance and i was quite entitled to review "my experience" which i add was not a good one. I told them today (Bespoke) that i do not want to spend my time doing these "reviews" but i feel so strong. I want something done. I really want to spend time living life but this is taking over mine. I was really mad in 2003 and it didn't help my health (what had to come first) but i have realised now to fight is better than bottling it up.

What really got my goat with Bespoke was that i had a standard letter saying how they treat all complaints serious and that they had looked over the documents and found that i asked at application for the ppi so they could not look at it, but, it was only today that they have traced my things. I never had a chance. I asked him where the courtesy to clients and actually looking into the complaint had come in and he could not answer. I am just a "little person" to them.

I want the person singlep to come back on with more info on them. He/she seems very informative.

di3004

marshallka wrote: »

Hi Di, just found this out from the FSA register and it looks like they registered with the FSA on 31/10/04.(and to undertake insurance mediation). Still cannot be sure about GISC though. I notice your loan was July 2004. You could always make an enquiry with FOS just to ask if they were GISC registered.

Details here
http://www.fsa.gov.uk/register/firmBasicDetails.do?sid=109031

Thank you hun, appreciated very much.
Will give the FOS a ring tomorrow and let you know what they say.;)

Cheers.
Di.
xx

marshallka

YEOSAL wrote: »

I think you and all the others that have dealings with Bespoke/FF should send emails to watchdog programme. That is just the kind of think they would go for and could help with the reclaiming if they are named and shamed

Good luck with your court case yeosal. I take it its the 26th June one. I would be slightly anxious by now myself. I hope they settle before. Most of them do.

tiggrae

mark863 wrote: »

Sent first template letter to car sales company in april about ppi they sold me with car finance and this was the reply they have sent.


With reference to your letter dated 15/04/08 we have investigated your claim and can advise that after consideration and having spoken to the Financial Ombudsman’s office, your alleged claim does not fall within the Ombudsman’s jurisdiction.

With this in mind, I am afraid to advise you that we will not consider any settlement with regard to your alleged claim for the following reasons:-


The insurance product you took out was purchased prior to the Group being regulated (14th January 2005)

The insurance product you took out was terminated prior to the Group being regulated (14th January 2005)


You still have the right to refer your complaint to the Financial Ombudsman Service at the following address:-

Financial Ombudsman Service
South Key Plaza
183 Marshall Ward
London
E149SR



Can anyone advise me what to do next?

Is this just a standard fob off in hope I will give up or is there any truth in the statement about the Group (Lookers/Taggarts motor group) not being regulated prior to the date quoted?


Thanks.

Hi I suspect they are correct, most of the independent lenders came under the compulsory jurisdiction of the FOS on 15.01.05 - however, you can still start court proceedings against them within the County Court

sarahc5388

YEOSAL wrote: »

Thank you, I am not stressed about it yet, but probably will be after the weekend! I think I can win in court and I will give it eveything I have got. Then its on to the next court case. I just want it to all be over now. Has taken over six months to get this far.

I know who to come to if my (Dads) LTSB goes that far!!

marshallka

Tiggrae, i have posted alot today on the Bespoke thing and have spoken to them as well. See my posts and also i wanted you to look into this insurance thing and the enforcement place in Gib (ie the email you posted). Does that mean that they needed to be regulated or just hold a licence.

Were they allowed to sell insurance or not. I am confused.

marshallka

On another note i telephoned the FOS today asked about the ppi bit of my complaint with Firstplus and they have told me to "hang on". I have stressed to them the limitations thing but they still said to "hang on". I have emailed them too just for confirmation in writing and hopefully will get a reply soon. I did say that it was outside their jurisdiction and they said you had the loan and ppi when you settled in 2003. What do you think of that? I am afraid that they will come back in a few months saying "sorry" and then i am stuck with not being able to make my claim. Sarah said they would not put you in that position but me being me seems to think that maybe they don't want me to waste my money with the courts as i would only lose.