London Mortgage PPI run around

bach · 2nd April 2007, 17:10

Hi to all just an update

Sent a S A R to Norton Finance as London Mortgage Company informed me my PPI was with Norton Finance
Received a letter this morning from Norton saying
"London Personal Loans Policy Summery has been updated since my loan was completed in November 04 ans tells me to contact London Mortgage for a copy of the Policy Summery from that date.
Norton them tell me that Sterling Insurance was the Insurance Provider. Hu !!!
They also say that they cannot provide any recordings of calls as they dd not record calls at the time my loan was processed.

I have checked all my info received from London Mortgage Company (Subject Access Request)
and now where does it mention any where who the PPI was with.

I would appreciate any thoughts please, Im sick of been given the run around, this has been going on since October 06
I have never had any documentaion or correspondance for any PPI, It seems its impossable to find out who is supposed to o fsupplied the alleged cover.

Regards Lynn

bach · 2nd April 2007, 17:12

Just had acknowledgement from London Mortgage pointing out that

1) " If data is held on our file for a third party (e g where account is in joint names) details will not be released."
This was a single* insurance but loan was in both names

2) " Where third party correspondence is held, they will write to the parties to obtain their authority to release copies to us. "
as I have sent the same D P A letter to all three of them, London Mortgage Company, Norton Finance , and Sterling Insurance one of them will have to produce our PPI information

"They will contact me when in a position to provide the information I have requested."

Question is can anyone enlighten me with their comments

Thanks Lynn

hellhasnofury · 2nd April 2007, 19:23

Quote:

Originally Posted by bach

Just had acknowledgement from London Mortgage pointing out that

1) " If data is held on our file for a third party (e g where account is in joint names) details will not be released."
This was a single* insurance but loan was in both names

2) " Where third party correspondence is held, they will write to the parties to obtain their authority to release copies to us. "
as I have sent the same D P A letter to all three of them, London Mortgage Company, Norton Finance , and Sterling Insurance one of them will have to produce our PPI information

"They will contact me when in a position to provide the information I have requested."

Question is can anyone enlighten me with their comments

Thanks Lynn

Hello Bach,

Its a bit like "here we go around the Mulberry Bush" senario.

I know how you feel. I am in the same boat. I just kept writing to them and ringing them and eventually they came up with the good.

I personally feel the buck stops at London Mortgage, as they sold it to you and probably made a lot of commission on it or they own the company.

,In the letter they sentto you it sounds like they need permission of your otherhalf to give the information. Did you send the letter signed by both of you. If not .Send a letter from your otherhalf giving permission to release the info

They think that if they give you the runaround, you may give up.

What have you threaten them with. Non-compliance of Subject Access Request reporting them to the Information Commissioners Office and Legal action.FOS. Can you tell us?

Don't forget they have to prove to you that it wasn't mis-sold

bach · 2nd April 2007, 20:03

Hi Hellhasnofury,
Thanks for support, yes we both signed the letters.
I will certainly send a non compliance of Subject Access Request and report to Information Commissioners Office and FOS.

This has been going on since early July now and can't seem to get the answers, Iv even got my eveidence together for Court, but I don't know who Im dealing with as yet. The bottom line is that they ticked my box for PPI and quted the total repayments including the PPI so Im say that was pre assumptivnes of the selling of PPI

Iv only just noticed today when I went through the correspondence that It was me who arranged the loan, they had no dealing with my husband at all, but they have put my husband down for the single Payment Protection Insurance. My case is complicated I know for a fact that I have them with the PPI claim but cannot for the life of me get the answeres need to go to Court.

Thank for yr interest and advice good to have a chat
Good Luck Have been watching yr threads to
Lynn

hellhasnofury · 2nd April 2007, 21:12

Quote:

Originally Posted by bach

Hi Hellhasnofury,
Thanks for support, yes we both signed the letters.
I will certainly send a non compliance of Subject Access Request and report to Information Commissioners Office and FOS.

This has been going on since early July now and can't seem to get the answers, Iv even got my eveidence together for Court, but I don't know who Im dealing with as yet. The bottom line is that they ticked my box for PPI and quted the total repayments including the PPI so Im say that was pre assumptivnes of the selling of PPI

Iv only just noticed today when I went through the correspondence that It was me who arranged the loan, they had no dealing with my husband at all, but they have put my husband down for the single Payment Protection Insurance. My case is complicated I know for a fact that I have them with the PPI claim but cannot for the life of me get the answeres need to go to Court.

Thank for yr interest and advice good to have a chat
Good Luck Have been watching yr threads to
Lynn

Hello,

What info are you lacking in? is it the loan no, dates of application and date of acceptence, amount of loan, ppi applied and the interest rate. If you know these then just reclaim it or is it not that simple. You claim from whoever sold you it!

Good luck. Stand firm and start setting the goalposts

bach · 4th April 2007, 14:22

No one will tell me who my PPi was supposed to be with. As I never was asked if I wanted PPi and I never had any correspondance/ term & conditions etc. from Insurance people, London Mortgage tell me I should get in touch with Insurares its only through sending letters back and forwards to various people that they let slip it was first Norton then its now Sterling, problem is, this was 2004 only had it for a year and paid it back they even said I should write to the broker, as the loan was taken out prior to FSA regulations. All London Mortgage will say that the PPI wsa paid out direct to the Insurance Provider by LMc, but will not say who that is. I have all my Subject Access Request info even that does'nt tell me who it was with.

your advise and comments would be appreciated.
Many thanks
Lynn

hellhasnofury · 4th April 2007, 20:04

Quote:

Originally Posted by bach

No one will tell me who my PPi was supposed to be with. As I never was asked if I wanted PPi and I never had any correspondance/ term & conditions etc. from Insurance people, London Mortgage tell me I should get in touch with Insurares its only through sending letters back and forwards to various people that they let slip it was first Norton then its now Sterling, problem is, this was 2004 only had it for a year and paid it back they even said I should write to the broker, as the loan was taken out prior to FSA regulations. All London Mortgage will say that the PPI wsa paid out direct to the Insurance Provider by LMc, but will not say who that is. I have all my Subject Access Request info even that does'nt tell me who it was with.

your advise and comments would be appreciated.
Many thanks
Lynn

Hello Lynn,

Sorry its me again, I stated in my last post the buck stopped with the company who were responsible for selling you the ppi in the first place. I presume it was London Mortgage.

To be blunt London Mortgage sold you the PPi. The insurance company whoever it is with, is irrelevant. For example if the ppi cost you £500, with what ever company. The actual cost of the ppi was maybe £300 and London Mortgage would pocket the rest as commission.

You have to start playing hardball with London Mortgage, they are responsible for applying a ppi that you did not want. and are totally giving you the runaround in hope you will get nowhere with this.

Look *&* sold me a ppi I think it was with Cornhill, but not to sure. I went after *&* the company that mis-sold it to me and they have refunded me the ppi. Must admit after a bit of a runaround. but with perserverence I go there.

I am not a legal expert and can only give you my opinion through my experiences. It is normal that they will not admit to anything, have you doubting and flouderingbecause they it is not in their interest to give you back your money.

Have you sent them a letter directly asking them to refund you ppi?

reidnet · 5th April 2007, 02:34

I would totally Agree with Hellhasnofurry, The company that set up the agreement and sold you the PPI are the ones that are responsible. Go after them, they will no doubt continue to give you the run around but dont give in to them.

Ian

bach · 5th April 2007, 09:27

Thanks Hellhasnofury and Ian, yes you are write Iv had enough
Decided to issue court proceddings will spend Easter geting all the bundle together. Hope you all have a good Easter.
I don't know what I would do without you lot Im not well and really strugling to keep things going its good that you keep me positive.
Regards
Lynn

hellhasnofury · 5th April 2007, 09:55

Quote:

Originally Posted by bach

Thanks Hellhasnofury and Ian, yes you are write Iv had enough
Decided to issue court proceddings will spend Easter geting all the bundle together. Hope you all have a good Easter.
I don't know what I would do without you lot Im not well and really strugling to keep things going its good that you keep me positive.
Regards
Lynn

Hello Lynn,

Sorry to hear you are not well.

Can I ask how far you are in the process. Did you Subject Access Request them?

Have you sent them your prelim letter?

Have you sent them your Letter before action?

If you have done all these things and still no response, Your opinion are to go through the Financial ombudsman to resolve this matter and of course court.

If you have not issued a claim via the court, you may need advice as what to put on your Particular of Claim. Relevant law etc. I have seen a few floating about the forum. When you have done it either post it for comment or pm it to somebody. Probably Reidnet as he is at the court stage and is a bit clever

Your court bundle can wait a bit (its a lot of expense and time consumming) Certaining refresh yourself as to what you will need. but maybe give a while longer, as least till they either put in there defence or you have to fill out allocation questionaire, or even if and when yu get a court date.

They may cough up before that.

Anyway we are all here to help, just ask and hope you feel well soon

bach · 5th April 2007, 11:49

Thanks, Can I get back to you sometime over the weekend with the answers I have that many things going on, I know I did a Subject Access Request. I work away from home Monday to Friday and most of my papers are there. Perhaps If you don't mind I can fill you in with the important details and maybe you'll be able to help work through it, two heads better than one and all that.

Thanks again.
Lynn

bach · 5th April 2007, 11:59

whoops sorry

reidnet · 5th April 2007, 21:15

Make that 3 heads...lol

Ian

bach · 12th April 2007, 10:44

Hi all, hope yr all well
Yes I did a Subject Access Request Prelim letter and L B Action letter all done last year.(This has been going on since July 06) backwards and forwards with correspondance wel Iv had enough now.
I have a complaint form from the Financial Ombusman which I have just completed. I what to start a claim through the court now. Up untill now as you know I was'nt sure who to claim from, but taking on board all your thoughts and comments you are right it lies with London Mortgage Company as they set up the PPI in the first place. Now need to get going with the Particulars of Claim and the law etc. going to take a while so any advice would be greatly appreciated.
Iv been reading loads of PPI threads this week and read on wobbles the aggreement all typed out. I have never had anything like this or any detailes ever of any PPI terms and agreements etc with any of the loans
Lynn

hellhasnofury · 12th April 2007, 21:56

Quote:

Originally Posted by bach

Hi all, hope yr all well
Yes I did a Subject Access Request Prelim letter and L B Action letter all done last year.(This has been going on since July 06) backwards and forwards with correspondance wel Iv had enough now.
I have a complaint form from the Financial Ombusman which I have just completed. I what to start a claim through the court now. Up untill now as you know I was'nt sure who to claim from, but taking on board all your thoughts and comments you are right it lies with London Mortgage Company as they set up the PPI in the first place. Now need to get going with the Particulars of Claim and the law etc. going to take a while so any advice would be greatly appreciated.
Iv been reading loads of PPI threads this week and read on wobbles the aggreement all typed out. I have never had anything like this or any detailes ever of any PPI terms and agreements etc with any of the loans
Lynn

Hello Lynn,

IMHO I feel that you have two choices. Going through the FOS and then the court. You have stated that you have made a complaint through the fos, maybe wait and see what their response is (it maybe a while due to the increase in the complaints regarding PPI) and if then no response go throught with the court action.

Possibly read this thread and then make your decision To FOS or not to FOS that is the question

nicho1120 · 24th April 2007, 17:40

Hi there Lynn,

Just wondered if you have progressed any further. I have managed to dig out my "Loan Payment Protection Insurance Policy Document" from London Mortgages. It clearly states in there that the insurance is through Sterling. I am also wanting to cancel the policy as firstly they said that I had to take it out as the loan was such a large amount and also that I think the cover o

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