PPI Reclaiming discussion Part II

Angel_A_2

marshallka wrote: »

Have you told them that the cover was no use to you as you were not working and so would not cover you?

You can ask FOS if the dates are covered by them by making a phone call. WHen did you put your complaint to FOS??

They were fined by the FSA in 2006 by the looks of things here

http://business.timesonline.co.uk/tol/business/industry_sectors/retailing/article759423.ece

Tuesday last week....am I jumping te gun a bit??

Angel_A_2

That's how I discovered that they had mis-sold to me.....And cancelled staight away in 2007!

Just going to have a better look at that article...

Angel_A_2

yes that's what I read back then and pursued them to cancel and reclaim, but they fobbed me off with the jurisdiction legal jargon and I left it!!

Haven't ordered since from them and have been paying off my balance in bits since...but it bugged me so much the other day when I came across their letters, that i thought....S*d it I will try the Omb man anyway...

Busta_3

marshallka wrote: »

I would think you will get a cheque for the ones that YOU have paid off. Its your money now.:D

I hope so, well we'll warch this space marshallka, ill keep you posted might need you and Di, and Trigga to help fight my corner if they want to put all to the exsisiting loan,which i think is a bit unfair.

marshallka

heavenlygee wrote: »

yes that's what I read back then and pursued them to cancel and reclaim, but they fobbed me off with the jurisdiction legal jargon and I left it!!

Haven't ordered since from them and have been paying off my balance in bits since...but it bugged me so much the other day when I came across their letters, that i thought....S*d it I will try the Omb man anyway...

You can ring and ask but its a little too soon yet. I would have thought it will be ok as it was payable monthly but you may only be able to claim from 2005 but its better than nothing.

Going to call it a night now and be back tomorrow.

Night all

Laini

marshallka wrote: »

Hiya Laini, any news yet and hows the job hunting going.;)

no job yet

OH getting on at me about it but still trying

hope you are ok

no news from ombudsman about NEMO

will update you when I hear something

also waiting from Barclaycard about PPI

waiting.....waiting.......waiting.....

Angel_A_2

marshallka wrote: »

Have you told them that the cover was no use to you as you were not working and so would not cover you?

You can ask FOS if the dates are covered by them by making a phone call. WHen did you put your complaint to FOS??

They were fined by the FSA in 2006 by the looks of things here


http://www.fsa.gov.uk/pubs/final/redcats_20dec06.pdf

http://www.fsa.gov.uk/pages/Library/Communication/PR/2006/136.shtml

I would have thought your claim will be ok as this would be claimable from the date that they came under the FSA being January, 2005.

Not too sure about before that date though. You will have to find out from FOS if they were members of GISC before.

ok, so first thing I'll do is call 2moro and check the dates, I know i took it out on 17th Dec 2004...then ask if they are members of the GISC....Still a little unsure what I'm doing though...

What does the GISC have to do with it??? Sorry if I'm coming across a bit dumb..

Quote from one of their letters..
"Our records show that your policy was sold on 17th Dec 2004.
The FOS, which was set up to help customers with certain complaint, has only had authority over Redcats (Brand) Limited since 14th Jan 2005. Before this date the FOS will only investigate and assist with complaints regarding mis-selling of policies where the company was previously covered by other regulations set in the GISC DRF.
This means that the rules and regulation as they stand today did not cover the selling of your policy at the time you purchased it. As Redcats was not covered by the GISC DRF, We believe this complaint to be outside the jurisdiction of the FOS."
So they are NOT covered by the GISC.......So I have no chance then??!!
Loophole search please....

Angel_A_2

marshallka wrote: »

You can ring and ask but its a little too soon yet. I would have thought it will be ok as it was payable monthly but you may only be able to claim from 2005 but its better than nothing.

Going to call it a night now and be back tomorrow.

Night all

Thanks for your help this evening....it is kinda late huh, sorry
But that idea sounds like a goodie....I AIN'T GIVING UP THE GANDA YET!!!!

I'll await the letter back from the FOS and will let you know.

Night....I haven't gone yet though..lolol

Angel_A_2

oh, but everyone elso has........ok night all

di3004

Sorry about that, I have been posting on the autism site as well catching up with all the posts, think they have missed me lol, now I will read through the posts here.;)

Di.
xx