PPI Reclaiming discussion Part II

tiggrae

shamrock7 wrote: »

Dear All,
I have just had a final response from the now NOT so nice guy at Welcome saying FINAL RESPONSE. No Refund and contact FOS. However cannot contact FOS as loan 2003? Am I right??? I have noted all my points about mis-selling. Is it worth harrassing him in the hope he will change his mind??
Or like I thought is court the only option now?
:mad: They are not keeping my money!!!

think your only option is court proceedings - don't think they were a member of the GISC but I'd ring the FOS and ask !

marshallka

tiggrae wrote: »

look at the small print - if your service is not what is expected of a good internet service provider (that should be written into the contract) then you can cancel the contract on those grounds and go with someone else - you have a right to expect a good service and I suspect it's in their contract that they have to provide it !!!!

And if you have been paying for a good service and not getting it and they will not listen then check if they are members of CISAS or another one (i cannot remember the name) and get them to help with your complaint.

di3004

Just a bit of GISC info:;)

The GISC Code states:

Our commitments
1.1
As members of GISC, we promise that we will:
act fairly and reasonably when we deal with you;
make sure that all our general insurance services satisfy the requirements of this Private Customer Code;
make sure all the information we give you is clear, fair and not misleading;
avoid conflicts of interest or, if we cannot avoid this, explain the position fully to you;
give you enough information and help so you can make an informed decision before you make a final commitment to buy your insurance policy;
confirm your insurance arrangements;
make sure that our service meets GISC?s standards;
handle claims fairly and promptly;
make sure you receive all the documentation you need;
protect any personal information, money and property that we hold or handle for you; and
handle complaints fairly and promptly.

marshallka

di3004 wrote: »

Just a bit of GISC info:;)

The GISC Code states:

Our commitments
1.1
As members of GISC, we promise that we will:
act fairly and reasonably when we deal with you;
make sure that all our general insurance services satisfy the requirements of this Private Customer Code;
make sure all the information we give you is clear, fair and not misleading;
avoid conflicts of interest or, if we cannot avoid this, explain the position fully to you;
give you enough information and help so you can make an informed decision before you make a final commitment to buy your insurance policy;
confirm your insurance arrangements;
make sure that our service meets GISC?s standards;
handle claims fairly and promptly;
make sure you receive all the documentation you need;
protect any personal information, money and property that we hold or handle for you; and
handle complaints fairly and promptly.

I wonder why its only GISC members that the FOS will take complaints from and not FISA as they also had a code of conduct???

di3004

marshallka wrote: »

I wonder why its only GISC members that the FOS will take complaints from and not FISA as they also had a code of conduct???

That got me thinking too hun.....:rolleyes:

tiggrae

marshallka wrote: »

I wonder why its only GISC members that the FOS will take complaints from and not FISA as they also had a code of conduct???

Do you mean FLA ????

think one was a compulsory code if you were a member of the GISC and the FLA was voluntary

marshallka

tiggrae wrote: »

Do you mean FLA ????

think one was a compulsory code if you were a member of the GISC and the FLA was voluntary

No i mean't FISA as they were to do with secured loans and these people that sell them. I wonder why FISA is not something that the FOS will not take into account when dealing with PPI. Although PPI is an insurance its still provided to most of us by means of a secured loan....

Fisa members were supposed to follow a code of conduct too.

di3004

Will add this here for now and will look through later.;)

http://www.fisa.co.uk/

di3004

FLA information here.;)

http://www.fla.org.uk/fla/consumerfinance/FLALendingCode.riv

sarahc5388

Dear all slow computers - try DE-FRAGging them - this usually speeds thing up a bit!