PPI Reclaiming discussion Part II

maxdp

tiggrae wrote: »

what you need are copies of the original loan agreements and settlement figures for each of the loans - we can then work out what you're due including the 8% statutory interest

Hi Tiggrae

have limited info cause when I was trying to reclaim for OH was in early days and did not know what i was doing. FOS has details but will not discuss can I pm my reply to them with details in. You may be able to make head and tail of it. Am so determined that they are not going to get a second one over on us.:rolleyes:

marshallka

Cannot believe it.... I have just had a phone call from some indian call centre person asking about getting back any PPI that i have paid:eek: . Told him to stick his offer where the sun don't shine too. Tiggrae have you seen my pm to you.

di3004

Thanks Tiggrae and thanks Marshallka for asking for me.;)

So really then I should go by the first letter they basically ignored "Endeavour" which was in July as they thought this was about the mis selling and not that of the "unfair rebate" ?

I had wrote to them again in early August to tell them they have overlooked the first letter (not read the first letter about the unfair rebate), I enclosed the first letter in with it dated July.

Cheers again.;)

catinthehat1

Have just reported the two posts to the 'people in the know' on this site - so hopefully that will sort it!!!:mad:

di3004

As you know I have been adding some links about "phoenix firms", where companies are no longer active, going into liquidation and/or dissolved etc then starting back up again in different reg company numbers.

And again Click Finance director is still active now and has been since 2001 where he was with Click from the start and with the existing Click now, they have again refused to go any further on this matter, they replied last Friday (added email on this forum) where I am told that there is nothing more they can do so again the case is closed.

I have thought about writing back to them and just wondered if this below would be okay ?
So any thoughts and suggestions here will be a great help, thanks folks.;)
...............................................................................................

Dear Mr


I have been going further into detail on my complaint about the mis selling of my Payment Protection Insurance where you have confirmed this case is closed as there is nothing you can do.

I am aware and understand that the existing Click Financial is not the same as the previous company and it has been confirmed also by the liquidators which are in fact "Begbies & Traynor" they had dissolved in 2006.
I am also aware that the directors have continued with this existing Click Finance ltd, and please correct and let me know if I am wrong but this has confused matters for me.

I have actually seen evidence that the directors were active with at least one of those since 2001 and is the Managing Director at your company of Click Finance Limited.

I am writing to some authorities for help and advice here due to the confusion where I am trying to resolve this issue. One of those being the OFT.

As you continue to state the case is closed, I need an headway to go from here and if the previous company Click Financial dissolved in 2006, and my policy was taken out in July 2004, I wonder if you could confirm if these were regulated by GISC during this time?
I assume that the directors of the company will be able to confirm this and I would appreciate it if you could get back to me to let me know.

In the meantime I have already made contact with some authorities and thought I should make you aware of this, and now just waiting for some response.

I look forward to your response on this matter.

Yours sincerely

tiggrae

maxdp wrote: »

Hi Tiggrae

have limited info cause when I was trying to reclaim for OH was in early days and did not know what i was doing. FOS has details but will not discuss can I pm my reply to them with details in. You may be able to make head and tail of it. Am so determined that they are not going to get a second one over on us.:rolleyes:

yup no problem

tiggrae

di3004 wrote: »

Thanks Tiggrae and thanks Marshallka for asking for me.;)

So really then I should go by the first letter they basically ignored "Endeavour" which was in July as they thought this was about the mis selling and not that of the "unfair rebate" ?

I had wrote to them again in early August to tell them they have overlooked the first letter (not read the first letter about the unfair rebate), I enclosed the first letter in with it dated July.

Cheers again.;)

if they don't reply fill out the FOS complaint form and attach the letter in july they're response followed by your letter in august - put on the claim form under the section 'please give us other details about your complaint' that you wrote in July but they didn't read the letter correctly but you've given them the statutory 8 weeks in which to respond

marshallka

di3004 wrote: »

As you know I have been adding some links about "phoenix firms", where companies are no longer active, going into liquidation and/or dissolved etc then starting back up again in different reg company numbers.

And again Click Finance director is still active now and has been since 2001 where he was with Click from the start and with the existing Click now, they have again refused to go any further on this matter, they replied last Friday (added email on this forum) where I am told that there is nothing more they can do so again the case is closed.

I have thought about writing back to them and just wondered if this below would be okay ?
So any thoughts and suggestions here will be a great help, thanks folks.;)
...............................................................................................

Dear Mr


I have been going further into detail on my complaint about the mis selling of my Payment Protection Insurance where you have confirmed this case is closed as there is nothing you can do.

I am aware and understand that the existing Click Financial is not the same as the previous company and it has been confirmed also by the liquidators which are in fact "Begbies & Traynor" they had dissolved in 2006.
I am also aware that the directors have continued with this existing Click Finance ltd, and please correct and let me know if I am wrong but this has confused matters for me.

I have actually seen evidence that the directors were active with at least one of those since 2001 and is the Managing Director at your company of Click Finance Limited.

I am writing to some authorities for help and advice here due to the confusion where I am trying to resolve this issue. One of those being the OFT.

As you continue to state the case is closed, I need an headway to go from here and if the previous company Click Financial dissolved in 2006, and my policy was taken out in July 2004, I wonder if you could confirm if these were regulated by GISC during this time?
I assume that the directors of the company will be able to confirm this and I would appreciate it if you could get back to me to let me know.

In the meantime I have already made contact with some authorities and thought I should make you aware of this, and now just waiting for some response.

I look forward to your response on this matter.

Yours sincerely

"One of them being the OFT whereby i ask about the "fitness of your holding a consumer credit licence".


Perhaps Tiggrae could advise on you adding this to your letter.



3. How will the provisions in the Act tackle rogue lenders?

Businesses who provide credit or hire, or undertake certain credit-related activities must obtain a licence from the Office of Fair Trading (OFT).
The Act introduces a stronger, more effective consumer credit licensing regime giving the OFT increased powers to take action against rogue traders and unacceptable practices.
From 6 April 2008 the OFT will assess a company’s ability to run its business in a fit manner in the future as well as assessing past conduct and monitor the conduct of a licence holder on an ongoing basis. OFT will target businesses that work in areas where there is a high risk of consumer detriment, such as the home credit market, subjecting these businesses to more in-depth scrutiny.


http://www.berr.gov.uk/consumers/consumer-finance/credit-act-2006/FAQs/page24450.html

tiggrae

di3004 wrote: »

As you know I have been adding some links about "phoenix firms", where companies are no longer active, going into liquidation and/or dissolved etc then starting back up again in different reg company numbers.

And again Click Finance director is still active now and has been since 2001 where he was with Click from the start and with the existing Click now, they have again refused to go any further on this matter, they replied last Friday (added email on this forum) where I am told that there is nothing more they can do so again the case is closed.

I have thought about writing back to them and just wondered if this below would be okay ?
So any thoughts and suggestions here will be a great help, thanks folks.;)
...............................................................................................

Dear Mr


I have been going further into detail on my complaint about the mis selling of my Payment Protection Insurance where you have confirmed this case is closed as there is nothing you can do.

I am aware and understand that the existing Click Financial is not the same as the previous company and it has been confirmed also by the liquidators which are in fact "Begbies & Traynor" they had dissolved in 2006.
I am also aware that the directors have continued with this existing Click Finance ltd, and please correct and let me know if I am wrong but this has confused matters for me.

I have actually seen evidence that the directors were active with at least one of those since 2001 and is the Managing Director at your company of Click Finance Limited.

I am writing to some authorities for help and advice here due to the confusion where I am trying to resolve this issue. One of those being the OFT.

As you continue to state the case is closed, I need an headway to go from here and if the previous company Click Financial dissolved in 2006, and my policy was taken out in July 2004, I wonder if you could confirm if these were regulated by GISC during this time?
I assume that the directors of the company will be able to confirm this and I would appreciate it if you could get back to me to let me know.

In the meantime I have already made contact with some authorities and thought I should make you aware of this, and now just waiting for some response.

I look forward to your response on this matter.

Yours sincerely

Dear Mr

I have been going further into detail on my complaint regarding my complaint for the mis selling of my Payment Protection Insurance and although you have written and stated ‘this case is closed as there is nothing you can do’ I still remain concerned regarding your business practices and I intend to take my concerns to the relevant authorities.

I am well aware and completely understand the existing Click Financial is not the same as the previous company which ‘sold’ the PPI to me. However, I am also aware the same directors have continued with this new incarnation of Click Finance ltd. I have also seen evidence the same directors have been active with at least one since 2001and is now the Managing Director at your company of Click Finance Limited.

I am writing to the authorities to inform them of this type of Pheonix Company as it appears to me you continue to start Companies and close them down in a deliberate attempt to avoid any liability for complaints being made against you. The relevant authorities include:

· the DTI,
· Companies House,
· the Financial Services Authority; and
· the Office of Fair Trading

Although you continue to state the case is closed can you confirm whether at any time in any iteration of your Companies you were ever regulated by GISC, I assume the directors of the company will be able to confirm this and I would appreciate it if you could get back to me to let me know.

In the meantime I have already made contact with some authorities and thought I should make you aware of this, and I now await their response.

I look forward to your response on this matter.

Yours sincerely

di3004

marshallka wrote: »

"One of them being the OFT whereby i ask about the "fitness of your holding a consumer credit licence".


Perhaps Tiggrae could advise on you adding this to your letter.



3. How will the provisions in the Act tackle rogue lenders?

Businesses who provide credit or hire, or undertake certain credit-related activities must obtain a licence from the Office of Fair Trading (OFT).
The Act introduces a stronger, more effective consumer credit licensing regime giving the OFT increased powers to take action against rogue traders and unacceptable practices.
From 6 April 2008 the OFT will assess a company’s ability to run its business in a fit manner in the future as well as assessing past conduct and monitor the conduct of a licence holder on an ongoing basis. OFT will target businesses that work in areas where there is a high risk of consumer detriment, such as the home credit market, subjecting these businesses to more in-depth scrutiny.


http://www.berr.gov.uk/consumers/consumer-finance/credit-act-2006/FAQs/page24450.html

Thanks hun.
I did actually mention on the first letter/email about "Fitness of holding a Consumer Credit Licence".
I also requested them to reconsider my complaint.......:rolleyes: , as you know they still said the case was closed.....:rolleyes: .