PPI Reclaiming discussion Part II

navydiver_2

Can anyone give me some advice, my daughter followed the same precedure as me for claiming back her PPI on her Dorothy Perkins card, this is managed by GE Money which is one of the firms already fined.

When she took out the card she was still at College, and was there for the next 2 years, so the PPi did not apply anyway, but she was not told it was optional.

She has recieved a copy of her agreement and the date of birth is wrong by a year to start with but they are telling her it was stated as optional on the form and she signed the form in the shop, so they are rejecting her claim.

Can anyone advise as to where we go from here, do we just write back saying we want to go to the ombusdman, or do we do something else.

Any advice would be greatly appriciated

marshallka

navydiver wrote: »

Can anyone give me some advice, my daughter followed the same precedure as me for claiming back her PPI on her Dorothy Perkins card, this is managed by GE Money which is one of the firms already fined.

When she took out the card she was still at College, and was there for the next 2 years, so the PPi did not apply anyway, but she was not told it was optional.

She has recieved a copy of her agreement and the date of birth is wrong by a year to start with but they are telling her it was stated as optional on the form and she signed the form in the shop, so they are rejecting her claim.

Can anyone advise as to where we go from here, do we just write back saying we want to go to the ombusdman, or do we do something else.

Any advice would be greatly appriciated

Write back and state she did not want it and it was useless to her. Wait for final reponse and then take it to the FOS.

navydiver_2

marshallka wrote: »

Write back and state she did not want it and it was useless to her. Wait for final reponse and then take it to the FOS.

Thanks for that, I have already used the template letter to do this.

They have advised her in the letter that they have now cancelled the PPI on the account, because she has complained, so i would have thought that was in itself an admission.

eirelav1962

can anyone advise me if u can claim ppi on credit cards and how u go about it

tiggrae

navydiver wrote: »

Thanks for that, I have already used the template letter to do this.

They have advised her in the letter that they have now cancelled the PPI on the account, because she has complained, so i would have thought that was in itself an admission.

when did she take out the credit card ?

tiggrae

eirelav1962 wrote: »

can anyone advise me if u can claim ppi on credit cards and how u go about it

you can reclaim on ppi against loans or credit cards using the main forum, it has all the letter formats you may need

tiggrae

mark863 wrote: »

Thanks for that........could you tell me how to do that? would I need legal representation,court fees etc..any info much appreciated..

ps still paying finance now and will end jan 2009. ppi was £1111 + £277 charge for credit = £1389.60... monthly that is £23.16....loan term 60 months.

Hi there, you can start proceedings yourself in your local county court look at HMCS (her majesty's Court Service) or do it on line on the HMCS money claim on line system - I think the cost of filing an N1 claim form is about £100, but a word of warning - you need to get the particulars of claim absolutely water tight - these companies employ some of the best solicitors so knowing the law in this area and following the court instructions is vital in order for your claim not to be struck out on a technicality.

ps don't forget to work out the 8% statutory interest element which you're allowed to claim back

tiggrae

elangar wrote: »

PLEASE HELP!!!!!!!!!!!

In May 2004 we applied for and took out a secured loan. The loan was brokered by Portfield financial services who did the initial application and swift advances loaned the money, the loan was paid back 9 months later when we moved house. Three years later whilst going through our old paper work we found our mortgage and loan redemption paper work that our solicitor sent to us and we must have filed in a safe place (Back of the draw!), looking through it the redemption figure looked very high for the loan and after contacting swift advances they explained that we had PPI cover with our loan and that we should have cancelled it when the loan was paid off. We were shocked to say the least as we had not asked for ppi cover as we knew that we were going to sell the house later that year, although portfield had mentioned that ppi was available when we first applied.

We have been in contact by letter and telephone with both companies and they are both saying that it is the other parties’ problem to sort. We're just not sure which way to turn now.
We have all of the relevant paper work from Portfield and Swift relating to the loan, application and the signed loan document which does say that there was payment protection I really could not say why we didn't spot it before.

What we need to know is do we have a case and who do we go after.

Please help I'm getting stressed just thinking about it!

Regards
Elangar

as a rule it is the original seller you go after for mis selling - if they've gone out of business or pass it onto someone else there is legislation within the Consumer Credit Act 1974 which makes the credit grantor (Swift) responsible for the actions of their agent (portfield)

marshallka

hi tiggrae, did you see my letter about Bespoke/Freedom to FSA, OFT and FOS post 2563????Can you tell me what you think please....

tiggrae

marshallka wrote: »

hi tiggrae, did you see my letter about Bespoke/Freedom to FSA, OFT and FOS post 2563????Can you tell me what you think please....

have you posted it yet?