PPI Reclaiming discussion Part II

homer_j_3

spacey2930 wrote: »

can anyone help me with my dilemma?
i have recently contacted Black Horse Motor Finance to request the return of my PPI however they have told me that i cannot use the OFT as the PPI was taken out before they were regulated by them
can anybody help me with an alternative authority or service to help me with this please?

http://forums.moneysavingexpert.com/showthread.html?p=11127491#post11127491

That may be of help

tiggrae

alleybabes wrote: »

thanks m colak they acknowledged the claim so they had 28 days to reply,the solicitor sounded quite threatening in the letter and said to avoid further unecessary costs being incurred seek my agreement to the judgement being set aside,and thier client filing a defemce to the claim, what difference does it make if i agree/ do you think they just want to scare me into believing i wont win? thanks m colak you are a great help

yes it's just scare tactics - they can't ask for costs if it's a small claim !!! you need to write back and put in a CPR 18 Request for further informtion - look back on todays posts I've listed a CPR request

tiggrae

suzy83 wrote: »

Hello Guys,

I would like to ask the following question to see whether i can claim PPI.

Its a long story however i will try to get to the point.

Got a loan with my ex boyfriend (Big Mistake there!) the PPI was spread over the term of the loan. We borrowed 20k and with the PPI total £24k not including interest. Now that we have seperated and he left me with the loan to pay. I kicked off !!! and sent letters to the loas company saying could i pay half my liability. Took 12 months to win this agreement.

Anyway the loan has been paid off on my side but he has to pay his half. I was just looking through the paperwork the other day and noticed that the PPI was only covered for the first named person, which is my ex. So if i lost my job that ment i wouldn't have been able to have claim. This is not what they told me when we took the loan out. They said if either one of use became ill or lost our job it would be covered.

Do anyone think i can claim?

Thanks,

Sue xx

sounds like negligent misrepresentation to me (that comes under the Misrepresentation Act 1967)

Annie021063

tiggrae wrote: »

When you're talking about 8% interest I presume you mean statutory interest ? you don't work that out as a lump sum, it's worked out on a daily rate basis from the day you made your premium payment - the easiest way to work it out is to go onto the bank charges forum and use the calculator on their - it'll work it out for you !!

Could you post the link please - can't seem to find it!!

tiggrae

Annie021063 wrote: »

Could you post the link please - can't seem to find it!!

Reclaim £1,000s

look under the above for the bank charges interest calculator

cflarry

I have started writing my first letters to the loan companies: First Plus, Loans.co.uk, Endeavour finance and First National, yes, have been a serial loaner!!!

First Plus/Loans.co.uk - waiting for SAR from Loans.co.uk and final reply from First Plus before I ring FO! as none are taking my complaint seriously.

First National - still havent had a reply from my first letter

Endeavour Finance - waiting for copies of my redemption settlement

My question is can I go to the FO with three:cool: seperate complaints from these sharks?

Laini

cflarry wrote: »

I have started writing my first letters to the loan companies: First Plus, Loans.co.uk, Endeavour finance and First National, yes, have been a serial loaner!!!

First Plus/Loans.co.uk - waiting for SAR from Loans.co.uk and final reply from First Plus before I ring FO! as none are taking my complaint seriously.

First National - still havent had a reply from my first letter

Endeavour Finance - waiting for copies of my redemption settlement

My question is can I go to the FO with three:cool: seperate complaints from these sharks?

yes you can
we have 2 separate complaints nemo and first plus we have different reference numbers for both as you have to fill in separate forms for each company but we have one adjudicator for both.
hope this helps
Laini xx:j

Kaia_2

cflarry wrote: »

I have started writing my first letters to the loan companies: First Plus, Loans.co.uk, Endeavour finance and First National, yes, have been a serial loaner!!!

First Plus/Loans.co.uk - waiting for SAR from Loans.co.uk and final reply from First Plus before I ring FO! as none are taking my complaint seriously.

First National - still havent had a reply from my first letter

Endeavour Finance - waiting for copies of my redemption settlement

My question is can I go to the FO with three:cool: seperate complaints from these sharks?

As far I as I know....First National are now under the name of GE Home
Finance......as they were our lender in 2002, but then became GE.
The address is still the same though....so your letter should still have got there ok.

sarahc5388

tiggrae wrote: »

have you had a look on the bank charges forum ???

many thanks for all your help so far - letter gone to bank today! now - ppi on an overdraft.........i've looked all over this site and as it's PPI........................:eek:

marshallka

Kaia wrote: »

As far I as I know....First National are now under the name of GE Home
Finance......as they were our lender in 2002, but then became GE.
The address is still the same though....so your letter should still have got there ok.

How are things with yours Kaia. Have you got the court thing this week. I read somewhere back that there was something happening this week but m colak answered. Do you feel postive about it.