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I am battling First Plus on mis-selling due to the fact that both hubby and I had good sickness/redundancy/life cover through our Local Government employers. Their 1st letter basically said 'no chance' so I applied for a SAR for a copy of all call recordings. They have now sent me 'all available recordings' but the inital call where PPI was dicussed is not on the tape. So I now think they are either keeping the call from me or do not have it all!! No really sure what to do now so any advice would be much appreciated thanks.
If the policy was unsuitable for your needs, you are claiming that they made a misrepresentation to you at the time of the sale (by suggesting it was) - that switches the burden of proof onto them. Therefore, the fact that such a vital call is "missing" from the tape would not help their case.
Alan, Derby, UK.
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Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
Thanks for that! This has been the only loan we ever had PPI on because I felt I couldn't say no, even though I told the 'sales person' that we had cover through our employers. I'm not sure now whether I need to write back to First Plus or just go straight to Ombudsman???
As they have sent a letter saying they will not refund, then you can go straight to the fos. If you decide to go the court route you would really need to send a letter before action.
Alan, Derby, UK.
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Or you may wish to buy one of these great resources:
Click on the above link to place your order - payment by Paypal.
_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
Their letter didn't state 'final response' so don't know which route is best, court or fos? If I go FOS route then looking at other peoples posts I can just fill a complaint form and put a ? in the 'have you had their final response' box.
Can I be really cheeky and ask which route would you suggest???
If you have not had a final response then you will have to write again - they then have 8 weeks in which to "investigate" your complaint.
If you leave it blank on the form they will pass the complaint on to the company - and give them 8 weeks to respond. Of course that will be when they have looked at the complaint - so you will have an even longer delay.
The court route is faster - however, you have to be aware that the matter could go to court, and you would have to feel confident that you can argue your case in front of a District Judge.
Unfortunately, I cannot advise you on which route to take.
Alan, Derby, UK.
PLEASE HELP US TO KEEP THIS SITE RUNNING
EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
Or you may wish to buy one of these great resources:
Click on the above link to place your order - payment by Paypal.
_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
First Plus - advice needed!
/life cover through our Local Government employers. Their 1st letter basically said 'no chance' so I applied for a SAR
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