PPI Reclaiming discussion Part II

Tron_ess

catinthehat1 wrote: »

Thanks Tron_ess - It's all this jargon - why don't you compile Tron_ess's guide to jargon busting!!!! Instead of 'Dangerous book for boys' - You could name it 'People Power to (busting) Insurance' or PPI for short - sorry long day with little people - it rubs off!!!!:rotfl:

No problem.

marshallka

Tron_ess wrote: »

Hi Di
Tiggrae was correct in previous post. Unfortunetely is looks like they've been very clever.
Click Financial Limited (still trading) was actually opened before Click Finance Limited. (dissolved)
This rules out any offence under the Insolvency Act re using similar name. I'm not however convinced that the Liquidators/Receivers do not have information. I'd have to trawl but can't imagine they could destroy records within 2 years, as normally anything relating to such things is minimum 3 years and more than likely 6 years.
Tiggrae mentioned getting details of the professional indemnity insurance - that's what you need to go after if possible.
Other possibility is to get shareholder and director details of the dissolved company. Only people that would have this are liquidators (or possibly companies house). Then compare to existing business - and if the links are as expected ... i'd say press could be an option.

How do you get the info from the liquidators if they say they have none??

We all thought Di had said this Click Finanical was opened after Click FInance but this was not the case.

To get this info from companies house you can pay can't you and do it????

di3004

Tron_ess wrote: »

Hi Di
Tiggrae was correct in previous post. Unfortunetely is looks like they've been very clever.
Click Financial Limited (still trading) was actually opened before Click Finance Limited. (dissolved)
This rules out any offence under the Insolvency Act re using similar name. I'm not however convinced that the Liquidators/Receivers do not have information. I'd have to trawl but can't imagine they could destroy records within 2 years, as normally anything relating to such things is minimum 3 years and more than likely 6 years.
Tiggrae mentioned getting details of the professional indemnity insurance - that's what you need to go after if possible.
Other possibility is to get shareholder and director details of the dissolved company. Only people that would have this are liquidators (or possibly companies house). Then compare to existing business - and if the links are as expected ... i'd say press could be an option.

Great thanks Tron_ess.;)

I have not had the chance to contact their Trading standards yet due to trying to dig out further information almost all day between Marshallka and myself.

I did not understand it either why the liquidators could not provide me with anything on the Click company, it was a short and sharp response that was it !

I did also write to the director of the company and each time he has passed this case onto the Compliance manager, as also stated in his email today that I have to send any correspondence to them and not the director Mr Teague himself.
Its now just trying to find out who was the actual director of the company that had dissolved I suppose, but so far no luck, will keep trying though.

Companies house said they were unable to intervene and just left me details like BERR but was told the same as companies house and was sent links to trading standards which I plan to get hold of.
Tiggrae also suggested my MP.

I'm still doing more digging here but feel its actually Click is digging a deep hole for themselves right now.

Cheers again.;)

money_back_3

Was this a single up front ppi cover topped in with your loan ?
Did they tell you that there would be extra interest on this ?


it was paid as a monthly premium about £20 (0.55% of the debit balance)

di3004

money_back wrote: »

Was this a single up front ppi cover topped in with your loan ?
Did they tell you that there would be extra interest on this ?


it was paid as a monthly premium about £20 (0.55% of the debit balance)

Okay hun, well if you feel this was mis-sold write to them and complain with your reasons of why you believe you were actually mis sold, I would also be tempted to mention that you have been advised and made aware that HFC were also fined for mis selling.;)

marshallka

money_back wrote: »

Was this a single up front ppi cover topped in with your loan ?
Did they tell you that there would be extra interest on this ?


it was paid as a monthly premium about £20 (0.55% of the debit balance)

So was it a single loan on top of your loan to pay this or just a monthly amount you could actually cancel??

Edit, just read your other post and what happened when you cancelled the PPI.??

Tron_ess

marshallka wrote: »

How do you get the info from the liquidators if they say they have none??

We all thought Di had said this Click Finanical was opened after Click FInance but this was not the case.

To get this info from companies house you can pay can't you and do it????

I believe so - never done it myself.

marshallka

Tron_ess wrote: »

I believe so - never done it myself.

I bet you haven't Tron_ess.

I am bushed today trying to find things out myself so god knows what Di is feeling like. Its so blummin annoying

di3004

Wonder if Companies house will let me have any information on the previous dissolved Click without charging ??:rolleyes:

I only really need to know who the director was, and some other little bits really, I could always just tell them I am getting very confused with each of these Click companies and may have been trying to complain to the wrong one ?
What do you say folks ?

money_back_3

marshallka wrote: »

So was it a single loan on top of your loan to pay this or just a monthly amount you could actually cancel??

Edit, just read your other post and what happened when you cancelled the PPI.??

notting at all they just wrote saying as the accout is in arrears it would be cancelled

even thought i asked for it to be done