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PPI Reclaiming discussion Part II

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  • marshallka
    marshallka Posts: 14,585 Forumite
    marshallka wrote: »
    Wow, look at this one


    http://www2.crw.gov.uk/pr/Default.aspx

    Not seen this before

    Application / Licence Details




    Licence Number:0427982
    Licence Status:Current

    Current Applicant / Licensee:

    Business NameCompany Registration NumberBespoke Finance Limited60921

    Categories:

    Consumer credit Consumer hire Credit brokerage Credit reference agency Debt Adjusting/Counselling Debt collecting

    Right To Canvass Off Trade Premises:No


    Issued Date: 25-May-1997
    Expiry Date: 09-Oct-2012


    Legal Formation:

    Body Corporate (incorporated outside UK)

    Current Individuals that run the organisation:

    NamePositionAlan Roy Kentish Iain Richard Farr

    Historic Individuals that run the organisation:

    NamePositionAlan KentishOFFICERIain FarrOFFICERMr Jonathan Peter SwannOFFICERTimothy RevillOFFICER

    Current Organisations that run the organisation:

    NameCompany Registration NumberPositionSTM Fidecs Management39308

    Historic Organisations that run the organisation:

    NameCompany Registration NumberPositionJordan Nominees (Gibraltar) Ltd OFFICERJordan Nominees (Gibralter) Ltd OFFICERJordans (Gibraltar) Ltd OFFICERJordans (Gibralter) Ltd OFFICER

    Nature of Business:

    Other Other

    Current Address(es):

    Address TypeAddressAccept Notices/DocumentsFreedom House, Church Street, WILMSLOW, Cheshire, SK9 1ASCorrespondenceFreedom House, Church Street, WILMSLOW, Cheshire, SK9 1ASPrincipal Place Of BusinessEurolife Building, Suite 2 C, 1 Coral Road, GibraltarRegistered OfficeEurolife Building, Suite 2 C, 1 Coral Road, Gibraltar

    Historic Address(es):

    Address TypeAddressPrincipal Place Of Business21, St Thomas Street, Bristol, BS1 6JSPrincipal Place Of BusinessSuite 2A Eurolife Building 1, Corral Road, ., ., GibralterPrincipal Place Of BusinessSuite 3G1 Eurolife Building 1, Corral Road, ., ., GibraltarRegistered OfficeMontagu Building, 8-10, Queensway, ., ., GibraltarRegistered OfficeSuite 2A Eurolife Building 1, Corral Road, ., ., GibraltarRegistered OfficeSuite 2A Eurolife Building 1, Corral Road, ., ., Gibralter
    Just noted on Bespokes that where it says right to canvas off the premises
    it states "NO"

    Does that mean that we all went to GIB to take out our loans/PPI.

    I don't know what this means but on the click one it says "YES".
  • di3004
    di3004 Posts: 42,579 Forumite
    marshallka wrote: »

    Thanks.
    So does this mean they are not doing wrong sort of thing ?:confused:

    When actually going into that link hun did you go on "search" from there and add their details in?;)
    The one and only "Dizzy Di" :D
  • marshallka
    marshallka Posts: 14,585 Forumite
    di3004 wrote: »
    Thanks.
    So does this mean they are not doing wrong sort of thing ?:confused:

    When actually going into that link hun did you go on "search" from there and add their details in?;)
    Yes i did (Go on the CCA search down the right hand side )and then it bring up lots of info. On the bespoke one it also states an address for correspondence and its Freedoms addy.

    No di, what i meant about the canvassing thing is that it looks like Bespokes licence was to only do business inside the premises according to this.
  • di3004
    di3004 Posts: 42,579 Forumite
    marshallka wrote: »
    Yes i did (Go on the CCA search down the right hand side )and then it bring up lots of info. On the bespoke one it also states an address for correspondence and its Freedoms addy.

    No di, what i meant about the canvassing thing is that it looks like Bespokes licence was to only do business inside the premises according to this.

    Yes I got you, thanks.;)

    Will have a rummage on that link now then, its very interesting and all new to me too thanks and great find.;)
    The one and only "Dizzy Di" :D
  • maxdp
    maxdp Posts: 3,873 Forumite
    di3004 wrote: »
    Yes I must agree with you, just been reading it though again and I would definately do this.
    With not knowing what your signing for........that is pathetic !!!

    Hi

    We had to sign to accept that we accepted the rebate as set out in the FOS letter we have done that with Barclaycard and MBNA. Although we are querying with FOS the Barclays refund.

    This seems to be common practice. Its just how the banks can twist the figures to suit their needs. If you are not happy with the rebate go back to the FOS, request a breakdown of the figures although usually the banks just say they have followed the instructions in the FOS Letter:eek:
    :mad:
  • marshallka
    marshallka Posts: 14,585 Forumite
    maxdp wrote: »
    Hi

    We had to sign to accept that we accepted the rebate as set out in the FOS letter we have done that with Barclaycard and MBNA. Although we are querying with FOS the Barclays refund.

    This seems to be common practice. Its just how the banks can twist the figures to suit their needs. If you are not happy with the rebate go back to the FOS, request a breakdown of the figures although usually the banks just say they have followed the instructions in the FOS Letter:eek:
    Thats what the poster previous page was wanting to know about. Its daft to sign for something when you don't know what you are signing for.

    I assume it something like your PPI back, Interest etc and then you sign and then you check the refund after... Seems so stupid when a lot of people go back to the fos for this to be checked. WHy not have the figures there before and then it takes the work away from the FOS and the tooing and froing and just one signature.
  • marshallka
    marshallka Posts: 14,585 Forumite
    Canvassing off premises means

    Canvassing involves calling on consumers uninvited to offer credit or hire agreements. Canvassing off trade premises includes calling on people at home without invitation and stopping people in the street or another public place. It does not include contact on business premises, whether these are yours, another person’s or the consumer’s. Temporary premises, such as a stand at a trade exhibition, also count as trade premises.
    You can only canvass off trade premises if you have been granted a licence which authorises you to do so.
    [FONT=Univers 45 Light,Univers 45 Light][FONT=Univers 45 Light,Univers 45 Light]The Act prohibits the canvassing of debtor-creditor agreements off trade premises. [/FONT][/FONT]Broadly, these are cash loans and other credit agreements not linked to the purchase of goods or services. [FONT=Univers 45 Light,Univers 45 Light][FONT=Univers 45 Light,Univers 45 Light]Any breach of the prohibition is a criminal offence.[/FONT][/FONT]
    There is no equivalent ban on canvassing agreements linked to the purchase of goods or services (debtor-creditor-supplier agreements) or consumer hire agreements.
    It is also a [FONT=Univers 45 Light,Univers 45 Light][FONT=Univers 45 Light,Univers 45 Light]criminal offence [/FONT][/FONT]to canvass off trade premises the services of a credit broker, debt adjuster, debt counsellor, or provider of credit information services. For example, if you are a broker you must not visit people uninvited to try to persuade them to agree for you to
    agree for you to arrange home improvement or debt consolidation loans.


    Perhaps Bespoke were OK then.
  • maxdp
    maxdp Posts: 3,873 Forumite
    marshallka wrote: »
    Thats what the poster previous page was wanting to know about. Its daft to sign for something when you don't know what you are signing for.

    I assume it something like your PPI back, Interest etc and then you sign and then you check the refund after... Seems so stupid when a lot of people go back to the fos for this to be checked. WHy not have the figures there before and then it takes the work away from the FOS and the tooing and froing and just one signature.

    Quite agree that is how these firms get away with inadequate rebates. I think people think that the FOS checks them. I know I am on my apple box again but it makes me cross it seems a stupid way of doing things:mad:
    :mad:
  • marshallka
    marshallka Posts: 14,585 Forumite
    What it does state on the Bespoke consumer credit licence thing is that correspondence is addressed

    Accept Notices/Documents Freedom House, Church Street, WILMSLOW, Cheshire, SK9 1AS

    Correspondence Freedom House, Church Street, WILMSLOW, Cheshire, SK9 1AS



    So why did we have to write to GIB and deal with them there.

    Simone if you drop by then according to their consumer credit licence correspondence should be dealt with at the address above.
  • marshallka
    marshallka Posts: 14,585 Forumite
    I am confused with this one. Its Barclays FIrstplus


    Application / Licence Details




    Licence Number:0428561
    Licence Status:Current

    Current Applicant / Licensee:

    Business NameCompany Registration NumberFirstplus Financial Group Plc3315543

    Categories:

    Consumer credit Consumer hire Credit brokerage Credit reference agency Debt Adjusting/Counselling Debt collecting

    Right To Canvass Off Trade Premises:Yes


    Trading Name(s) (Current):

    Argos Barclay Loan Equityplus Firstplus Firstplus Financial MFI Secured Barclay Loan Secured Loan From Barclaycard United Co-Op United Co-Operatives

    Trading Name(s) (Historic):

    United Co-Operatives United Co-Op FristPlus Finiancial Group Plc Equity Plus FristPlus Financial Frist Plus

    Issued Date: 15-Jun-1997
    Expiry Date: 16-Jan-2013


    Legal Formation:

    Body Corporate (incorporated inside UK)

    Current Individuals that run the organisation:

    NamePositionNeil Andrew Radley Soo Jung Green

    Historic Individuals that run the organisation:

    NamePositionDale Edward RoskomOFFICERDaniel Thomas PhillipsOFFICEREric Craig GreenOFFICERIain David SmithOFFICERJeremy John MasdingOFFICERJohn Keith CoulterOFFICERMark Allan RobinsOFFICERMichael Alan WoodallOFFICERMr Christopher Fletcher SmithOFFICERMr John FranceOFFICERMr Michael Alan WoodallOFFICERMr Neville Robert AllportOFFICERMr Paul Austin RaymondOFFICERMr Simon Nicholas Lewis WoolcottOFFICERPaul Gerard TurnerOFFICERPeter Stuart CrookOFFICERPhillip Elfed JonesOFFICERRichard Francis SommersOFFICERRobert Mark SwartzOFFICERSian Mc Dermott Sian McDermottOFFICERSimon Nicholas WoolcottOFFICER

    Current Organisations that run the organisation:

    NameCompany Registration NumberPositionBarcosec Limited

    Historic Organisations that run the organisation:

    NameCompany Registration NumberPositionFilbuk (Secretaries) Limited OFFICER

    Nature of Business:

    Other Other

    Current Address(es):

    Address TypeAddressCorrespondence1, Churchill Place, LONDON, E14 5HP, United KingdomPrincipal Place Of BusinessFirstplus House, The Avenue Business Park, Pentwyn, CARDIFF, CF23 8HE, United KingdomRegistered Office1, Churchill Place, London, E14 5HP
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