Anyone dealt with associates re=ppi

[maggie]

Just wondering if anybody has heard of Associates capital Corp. plc

In 1997/1998,we purchased a car on credit.We were told by the salesman ,that if we did not take out a PPI on the loan,we would not have the car,as our credit rating was very bad(due to Lloyds bank adding defaults to our name,for 3 loans,even though nearly all of the balance was due to their charges).
Now ,both my husband and I specifically remember the salesman telling us this,we did not tick the box,he did.After option to purchase fee,and interest for the PPI was added,the PPI came to £3043.68p.

48 monthly instalments for PPI alone was £63.41.
I have the agreement in front of me ,as I type.

Does anyone know if we could claim this back please,by the way,we settled the hire purchase agreement for the car,6 to 12 months early.

Any help would be appreciated

Thanks Maggie

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[reidnet]

Hi,
If you were told that No PPI then no Loan this is a case of Mis-Selling and yes you can claim it back including Interest. I dont know this company but some companies more than others will fight tooth and nail over PPI.

The first thing you need to do is write a letter of Complaint to them regarding the Mis-Sold PPI and ask for a full refund of the premium plus Interest (at the contractual Rate). You need to complain to them first, if they issue you with a final decision GO away letter then you can either pass your Complaint to the FOS or continue down the lines of reclaiming Bank Charges LBA etc etc.

If you need any help Just Shout

Ian

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	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.

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[maggie]

Hi Reidnet,

I am a little concerned over the timme frame.1998/1999.
Would it still be ok ,do you think?

Maggie

[reidnet]

It is still worht fighting over, If they claim it to be outwith the timeframe we can cross that bridge when we come to it.

Ian

[maggie]

Hi reidnet,
Do you think I shouls send a Subject Access Request ,first,before I send any letter.?
Maggie

	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.

[maggie]

I have tried to scan the original agreement to send to you Reidnet,but the writing on it is so faded,you would be unable to see it,so when I have 5 mins,I will post all figures here .

Maggie