PPI Reclaiming discussion Part II

catinthehat1

Gonna do it now:o

spoll_2

di3004 wrote: »

Hi again Spoll

Regarding my above post where I added the link of Norton Finance you can see they were regulated at from so and so month of 2004, the link you added about from the "consumeractiongroup", they probably just missed out of them being registered under the FOS.

I would check out their company reg number on your paperwork/documents, add it here we can make sure it is that of the same company, some companies tend to stop trading and start again under a new company number, don't think these were one of those though.;)

Di.
x

Di thanks for your help. Just looked at the paperwork and the reg number is 2209551 and registered office is 145 wellgate,rotherham, s60 2nn (what it says at bottom of letter from them).

The address details that the correpspondance is from matches that on the FSA regsiter so it definetly looks like they were regulated at the time of the loan so I really don't know what the FOS is going on about.

I will ring them 2mrw on behalf of my Dad and see if I can get to the bottom of why they say they cannot deal with the complaint.

Thanks again all

marshallka

spoll wrote: »

Di thanks for your help. Just looked at the paperwork and the reg number is 2209551 and registered office is 145 wellgate,rotherham, s60 2nn (what it says at bottom of letter from them).

The address details that the correpspondance is from matches that on the FSA regsiter so it definetly looks like they were regulated at the time of the loan so I really don't know what the FOS is going on about.

I will ring them 2mrw on behalf of my Dad and see if I can get to the bottom of why they say they cannot deal with the complaint.

Thanks again all

Just because a company is registered at the FSA on a certain date does not automatically say they were registered to sell insurance on that date but as of 14th January, 2005 all firms that entered into the sales of insurance had to be regulated so as your sale was in 2006 if Norton actually sold the insurance then they should have been regulated. What i cannot understand is the fact that the FOS have said they were not???? This is very confusing.

Did Firstplus tell you that Norton actually sold it to you. Also was this policy a FIrstplus policy, one of the 5 year ones and with a cashback thing attached... I wonder if FIrstplus actually sold you this and Norton only advised and Firstplus are trying to wriggle out of it. Do you remember any of it...

Loulou1513

Could anyone please tell me if copies of any paperwork that backs up a case for reclaiming PPI's is necesary as I dont seem to have any? Thanks

catinthehat1

Loulou1513 wrote: »

Could anyone please tell me if copies of any paperwork that backs up a case for reclaiming PPI's is necesary as I dont seem to have any? Thanks

I would think that it would be good to have the paperwork with the PPI on it, i have a loan and it clearly states how much the PPI is. Could you ask the company for copies of the original paperwork, i'll expect that you may have to pay for it!!!! I'm sure there will be others here who will be able to help you

marshallka

Loulou1513 wrote: »

Could anyone please tell me if copies of any paperwork that backs up a case for reclaiming PPI's is necesary as I dont seem to have any? Thanks

When was your loan and who with???

You can request all the details etc in a subject access request if they are needed. I would not bother if the loan was taken after the 14th January, 2005 as most complaints are upheld from that date.

marshallka

catinthehat1 wrote: »

I would think that it would be good to have the paperwork with the PPI on it, i have a loan and it clearly states how much the PPI is. Could you ask the company for copies of the original paperwork, i'll expect that you may have to pay for it!!!! I'm sure there will be others here who will be able to help you

You can request them. All you need to do is send a request for a SAR to the company. There is a template letter on here somewhere and you request all data that they hold about you. This costs £10 and they have to reply with it in 40 days.

spoll_2

marshallka wrote: »

Just because a company is registered at the FSA on a certain date does not automatically say they were registered to sell insurance on that date but as of 14th January, 2005 all firms that entered into the sales of insurance had to be regulated so as your sale was in 2006 if Norton actually sold the insurance then they should have been regulated. What i cannot understand is the fact that the FOS have said they were not???? This is very confusing.

Did Firstplus tell you that Norton actually sold it to you. Also was this policy a FIrstplus policy, one of the 5 year ones and with a cashback thing attached... I wonder if FIrstplus actually sold you this and Norton only advised and Firstplus are trying to wriggle out of it. Do you remember any of it...

I was also thinking maybe firstplus actually sold it, but I've gone through the letters again and the response to our initial letter to firstplus was that the loan and PPI were sold to us by Norton Finance. Through various repsonses from Norton Finance they have acknowledged they sold my Dad the policy, culminating in an offer which we deemed way to low hence going to the FOS.

I must admit that even being possesion of the various letters and documentation it's very unclear about what role FirstPlus actually had!

marshallka

marshallka wrote: »

When was your loan and who with???

You can request all the details etc in a subject access request if they are needed. I would not bother if the loan was taken after the 14th January, 2005 as most complaints are upheld from that date.

Letter below

Dear

Re: Account number:

In the first part under the Data Protection Act 1998:

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, please supply me with a complete list of transactions and charges relating to the above accounts held with you since they were opened.

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my business with you.

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.


For the avoidance of any and all doubt, I reiterate:

I hereby request that you supply me with any and all historical data in your possession which, in any way appertains to me, including (but not exhaustively) a copy of the original signed executed agreement; statements of account; duplicate statements and/or print outs of all account transactions; all internal and external correspondence sent or received by you including memo’s, logs, notes, screen prints and transcripts; notes of manual interventions such as telephone attendants' notes, copies of stored telephone conversations, internal and external emails; any other information held on any/all types of media in any relevant filing system (microfiche included).

If you have disclosed any information to a third party (with or without my express permission), will you please include details of this in your reply, along with notes of any legal action passed or pending (to include a true copy of default notices, court orders and the like).

Where any information that you provide includes any charges, for example returned payments, late payment fees, and so forth, would you please advise your breakdown of actual costs (liquidated damages) incurred for each charge, and the Term or Condition on which you rely upon to claim such a charge.





I also require that you forward, within the above mentioned time scale, a true copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions.

I enclose the statutory maximum fee of £10.00 to access ALL data held by XXXXX about myself. You should be fully aware of your statutory obligations under the Data Protection Act and that any failure to comply with this request will involve a complaint to the ICO as well as potential legal action.

You have 40 days in which to comply with this request.

This communication has been sent Recorded Delivery so I can ensure compliance on these issues within the legislative timeframes.

Yours Sincerely

marshallka

spoll wrote: »

I was also thinking maybe firstplus actually sold it, but I've gone through the letters again and the response to our initial letter to firstplus was that the loan and PPI were sold to us by Norton Finance. Through various repsonses from Norton Finance they have acknowledged they sold my Dad the policy, culminating in an offer which we deemed way to low hence going to the FOS.

I must admit that even being possesion of the various letters and documentation it's very unclear about what role FirstPlus actually had!

There is something not right here. Norton told the person in the thread that you gave from the consumer forums that they acted as an advisor and that was it. If they advised they probably would get out of that one by saying that and then it makes FIrstplus the actual sales peeps. If not then FIrstplus did wrong in that they should ensure that anyone selling their products should be capable of doing it and also they should be regulated.