PPI Reclaiming discussion Part II

di3004

GhostHunter wrote: »

Not sure this is the right one the PPI claims for Aqua are linked to Halifax I think??

Thanks anyway. :T

Not certain either on that one hun, but regarding the Sky CC, I went onto Google and checked Sky's firm reg number which is 1026167 and searched for this on 'Companies house search', it came up as Barclays... , strange not unless these are linked perhaps, but a thought has come to mind if you have any paperwork from Sky, right at the bottom of the paperwork in case I have got it wrong, there should be a registration number, if you google in 'Companies search' there is a link on the right hand side you can click on, then you add in that number, there it should confirm the company and address details.;)

Good luck hunni, that link is cool to check out companies, especially if you need addresses, also try the 'FSA register' search.;)

Di.
xxx

sparky0107

Angel1972 wrote: »

sparky0107 wrote: »

Hi Sparky

Don't want you to waste your time going to FOS against GE - I did and my loan was November 2004 - they said they were not covered in November 04 and so FOS could not help with my claim. I even tried ringing and seeing if I could get them to look into it if it was GE Capital trading as GE Home finance and was told no as it was prior to 2005.

Hi angel,
My claim now is with loans.co.uk, as GE Home lending, have told me that they are the broker, and loans.co.uk, have told me that I can go and swing for a refund. Loans.co.uk web site states that they are part of FISA, FSA regulated and I think GISC. So do I continue with FOS claim, this gets so confusing doesn't it

di3004

sparky0107 wrote: »

Angel1972 wrote: »

Hi angel,
My claim now is with loans.co.uk, as GE Home lending, have told me that they are the broker, and loans.co.uk, have told me that I can go and swing for a refund. Loans.co.uk web site states that they are part of FISA, FSA regulated and I think GISC. So do I continue with FOS claim, this gets so confusing doesn't it

Yes a lot of this depends on the broker who arranged this, so if they were regulated then you have no problem.;)
You could double check this by checking on the FSA register, to see if they were regulated when you had this.;)
Good luck.

Di.
xx

supergrand

hi, im new, and need a bit of help. in august 2006 i took out a loan with blemain finance, which was arranged by capital one phone a loan. theloan was for £16,000 over 25 years payment protection was added to the loan which was £2582 total cost of loan £18582.the interest on the pp1 is £4347.28, making total costfor ppi £6929.28. but the ppi is only for 36 months. i have written the standard letter to blemain stating that i think the policy was mis sold and they have replied stating that as the policy was sold on a non-advised informtion only basis and it was my decision to proceed then it was not mis sold and as i signed the credit agreement that i was happy to proceed with the ppi. they tell me to refer to the policy document which i am supposed to hasve received but i dont think i was given one as i cant find it as i keep all my relevent papers together all i can find is a paper entitled ensuring this policy meets your needs with a questionnaire on it with boxes to tick about my eligability for insurance,also about the cover i wanted ,the cost of the ppi and a declaration that i understood terms and conditions and i am not aware of any pre-existing conditions. none of the boxes are ticked the declaration is not signed or dated by me, but on the form there is a paragraph which states this is an information only service.sorry to be so long winded about this but i wanted to put down all the facts. what i would like help with is this. do i still persue this, or is it a lost cause and to forget about it. any help would be appreciated. thanks alot x

di3004

supergrand wrote: »

hi, im new, and need a bit of help. in august 2006 i took out a loan with blemain finance, which was arranged by capital one phone a loan. theloan was for £16,000 over 25 years payment protection was added to the loan which was £2582 total cost of loan £18582.the interest on the pp1 is £4347.28, making total costfor ppi £6929.28. but the ppi is only for 36 months. i have written the standard letter to blemain stating that i think the policy was mis sold and they have replied stating that as the policy was sold on a non-advised informtion only basis and it was my decision to proceed then it was not mis sold and as i signed the credit agreement that i was happy to proceed with the ppi. they tell me to refer to the policy document which i am supposed to hasve received but i dont think i was given one as i cant find it as i keep all my relevent papers together all i can find is a paper entitled ensuring this policy meets your needs with a questionnaire on it with boxes to tick about my eligability for insurance,also about the cover i wanted ,the cost of the ppi and a declaration that i understood terms and conditions and i am not aware of any pre-existing conditions. none of the boxes are ticked the declaration is not signed or dated by me, but on the form there is a paragraph which states this is an information only service.sorry to be so long winded about this but i wanted to put down all the facts. what i would like help with is this. do i still persue this, or is it a lost cause and to forget about it. any help would be appreciated. thanks alot x

Hi there hunni, seems like you have a claim, I will re-read when I get back later, and hopefully in the meantime someone will get back to you about this, I will be back here later okay hun, something has cropped up and have to dash for a short time.;)

Di.
xx

supergrand

di3004 wrote: »

Hi there hunni, seems like you have a claim, I will re-read when I get back later, and hopefully in the meantime someone will get back to you about this, I will be back here later okay hun, something has cropped up and have to dash for a short time.;)

Di.
xx

thanks alot look forward to hearing from you

supergrand

hi, im new, and need a bit of help. in august 2006 i took out a loan with blemain finance, which was arranged by capital one phone a loan. theloan was for £16,000 over 25 years payment protection was added to the loan which was £2582 total cost of loan £18582.the interest on the pp1 is £4347.28, making total costfor ppi £6929.28. but the ppi is only for 36 months. i have written the standard letter to blemain stating that i think the policy was mis sold and they have replied stating that as the policy was sold on a non-advised informtion only basis and it was my decision to proceed then it was not mis sold and as i signed the credit agreement that i was happy to proceed with the ppi. they tell me to refer to the policy document which i am supposed to hasve received but i dont think i was given one as i cant find it as i keep all my relevent papers together all i can find is a paper entitled ensuring this policy meets your needs with a questionnaire on it with boxes to tick about my eligability for insurance,also about the cover i wanted ,the cost of the ppi and a declaration that i understood terms and conditions and i am not aware of any pre-existing conditions. none of the boxes are ticked the declaration is not signed or dated by me, but on the form there is a paragraph which states this is an information only service.sorry to be so long winded about this but i wanted to put down all the facts. what i would like help with is this. do i still persue this, or is it a lost cause and to forget about it. any help would be appreciated. thanks alot x

supergrand

sorry about this my post seems to have been posted twice, sorry, put it down to the fact that im a novice at this and not quite sure how the technology works yet!!!

sparky0107

di3004 wrote: »

sparky0107 wrote: »

Yes a lot of this depends on the broker who arranged this, so if they were regulated then you have no problem.;)
You could double check this by checking on the FSA register, to see if they were regulated when you had this.;)
Good luck.

Di.
xx

Hi Di,
Our loan was taken out in June 2003, loans.co.uk became regulated by the FSA 31st October 2004, and we repayed the loan early in 2005, does this mean that because they weren't regulated in 2003, that we don't have a case, or can we still take it to the FOS, as we have received their final response.

Thanks in advance

di3004

sparky0107 wrote: »

di3004 wrote: »

Hi Di,
Our loan was taken out in June 2003, loans.co.uk became regulated by the FSA 31st October 2004, and we repayed the loan early in 2005, does this mean that because they weren't regulated in 2003, that we don't have a case, or can we still take it to the FOS, as we have received their final response.

Thanks in advance

Hi Sparky
This is where we got caught out hun.....:rolleyes: , we had a loan in July 2004, and paid off the loan in 2005, the FOS got back to us and explained they could not proceed with the complaint because when we had taken out the loan it was not regulated at that time, but they did forward some details of whom to try and forward the complaint too, I will see if I can find it, I did add the details on here but because the company brokers dissolved we could not continue.

Did you check if loans.co.uk were regulated with GISC before they went to FSA hun ?

Di.
xx