Payment Protection Insurance

[midge61]

Hi loti

If you start your own thread on this you will get plenty of advice and support.

Do you have all of your statements? If not the first thing you need to do is a Subject Access Request to get all the information.

Good luck

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[jo1971]

Originally Posted by deemacperth

This is the insurance that gets sold to you when you take out a loan, HP, credit card etc.

There has been a spate of complaints recently about being mis sold PPI. This is relevant to my Yes Car Credit claim, so I will detail my claim and how far it's gone here.

wow! reading all these posts on YCC/PPI it looks to me that they fob everyone off with the same letter and just fill in the personal details as the quotes from the letter you had are exacly the same as mine i had last week from them after i sent a first letter to demand my money back.

so yesterday i spent ages on the phone and this is where i am at

I contacted the Finacial Ombudsman Services they said that as my agreements were taken out on 28th June 2001 and 9th Feb 2004 they do not deal with anything prior to when they were regulated by the FSA (Financial Services Authtorisation). i cant remember if they said they were regulated in 2005 or 2006 either way my agreements were before then.

I then contacted the FSA, they said YCC were not one of the companys they look into. they said i may have to seek legal advice on this one but recommended that i spoke to Consumer Direct to see if they could be of further help.

Consumer Direct said they couldnt really help but a possible but not likely avenue would be under the supply of goods and services act 1982. Also to check that they were licesed to supply to credit agreement because if they were not any contract with them would be unenforcable anyway. they said to contact the Office of Fair Trading (OFT) to do this

OFT said they were licensed 29th November 1997 so i am back to square one. any ideas?
Regards
Jo

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[SueBee]

We have the same problem.

We got into difficulties and had the car repossessed. We have been paying for it ever since. The phone calls keep coming asking for more and more money. The latest phone call threatened to take our house if we don't pay more. I have looked at the website which still has details of YCC an it states in bold letters at the bottom hat the loan is secured on the car NOT on your home so how can they suddenly change that?

Coupled with this we are still paying the PPI which, as you say, they took the card off and could have written anything to get it through. We cannot cancel this through our bank as "it is a card payment" although the card has expired and been renewed a couple of times since. We cannot contact the PPI compny as we have no information. All that shows up on our bank statement is "Card Payment to Portland Enterprises". It comes out when they feel like taking it so we never know when this is going to happen. If anyone knows how to contact these people so that we can cancel this insurance (we have no need for it now as we do not have the car)!

We also estimate that we have paid for the car, when you take into account how much they got for our old car, the amount we had already paid and how much they got for the car at auction.

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

	Win more cheaply on eBay - ConsumerSniper FREE bids offer When you bid on eBay you drive the price up. Why not be a sniper? Wait in the background and let ConsumerSniper place your winning bid for you at the very last moment. Follow this link and take advantage of ConsumerSniper unlimited free bids. ConsumerSniper is in Beta and is totally free to use until its full release. It help the Consumer Action Group if you use this service for your auction bidding

[jo1971]

Hi there
thanks for your post. i am being helped with my claim by a company called protected investments ltd. you have to request a S.A.R. FROM DIRECT AUTO FINANCIAL SERVICES WITH A FEE OF £10 to cover the cost with documents to confirm who you are. I am not sure how my claim will go as I have only just started the process.
If you contact Protected Investments Ltd directly and explain what has happened so far they may be able to assist you further and advise you want to do next. To find out more about them and who they are

Their details are
Peter Bottomley
Director
Protected Investments Limited

Tel: 01858 881000

Fax: 01858 881137
Protected Investments Limited
The Old Hall
Husbands Bosworth
Leicestershire
LE17 6LZ

Hope this helps and let me know how you get on.

Kind Regards

Jo

[hellhasnofury]

Hello All,

If you need help and advice on reclaiming back your mis-sold ppi, can you please start your own thread. Your questions and comments will get lost on some-one else's thread.

Thanks