PPI Reclaiming discussion Part II

di3004

marshallka wrote: »

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.

Interesting, thanks hun.:D

marshallka

Di, look at barclays firstplus one and it seems they are to do with Argos and the co-op.

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

di3004

marshallka wrote: »

Di, look at barclays firstplus one and it seems they are to do with Argos and the co-op.

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

I am surprised, so Argos sells credit and must all be linked with these then, also the Co-Op??

di3004

Now LLoyds are bound to have received the letter what the FOS said they sent them last week by now......:o wonder what their thinking lol........:D
(this on Credit Card ppi complaint).

It does make me wonder if they will send me off to pack my bag to bank elsewhere, so in case this happens......:rolleyes: , now what bank ???:D .

Looking back in the SAR from LLoyds there is a write up which states, that Mrs XXXXX requests a SAR, then came across lots more, then came across, Mrs XXXXX states she was mis sold and have sent her one of "our standard basic template response"........!!!

Just goes to show, we all have these then.

marshallka

di3004 wrote: »

Now LLoyds are bound to have received the letter what the FOS said they sent them last week by now......:o wonder what their thinking lol........:D
(this on Credit Card ppi complaint).

It does make me wonder if they will send me off to pack my bag to bank elsewhere, so in case this happens......:rolleyes: , now what bank ???:D .

Looking back in the SAR from LLoyds there is a write up which states, that Mrs so and so requests a SAR, then came across lots more, then came across, Mrs XXXXX states she was mis sold and have sent her one of "our template response"........!!!

Just goes to show, we all have these then.

Just go through them all and look which one seems to be the fairest one here.

(is your avatar a pic of you??)

di3004

marshallka wrote: »

Just go through them all and look which one seems to be the fairest one here.

(is your avatar a pic of you??)

Yikes.......:eek: , I still have lots of it to get through lol.

Nope hun, my son was messing with avatars on google the other day and done this for me, he likes Cameron Diaz -, wish it was me......:o lol.
I should have added Johnny Depp, but I always mess up avvies lol.

There is one thing me and her have in common we both have long blonde hair lol.

marshallka

di3004 wrote: »

Yikes.......:eek: , I still have lots of it to get through lol.

Nope hun, my son was messing with avatars on google the other day and done this for me, he likes Cameron Diaz - its here lol, wish it was me......:o lol.
I should have added Johnny Depp, but I always mess up avvies lol.

I thought it was you, could not tell who it was.(LOL)

di3004

marshallka wrote: »

I thought it was you, could not tell who it was.(LOL)

I do not have many recent pics, although I do have an old curly perm one from years ago - but will not add it here lol........:o

di3004

Rang the ICO earlier just to see if there was anything I could do now about the requested SAR from twopart/eloan, as we had requested this before we were aware they liquidised in May this year, then received the letter from the liquidators to confirm this with a return of the cheque payment for the SAR.

The lady from the ICO was very friendly and she asked then for the website and tried them out, it is now not working, like it did work last week, I tried the same time as her, so this is making me think now if they are getting any nearer of finally these being confirmed as going into default??:rolleyes:

It may mean nothing but it just made me think.;)

di3004

now confused.......
Just tried it again and now working..........

http://www.eloans.co.uk/

I remember emailing them and of course when we were going through the loan process in 2005 they would always get back in mins, and I thought it was strange then earlier this year when trying to email and not heard anything back......:rolleyes: