Thread: cardif pinnacle policy document not provided

yes an SAR has been sent .my problem now lies with on having made a claim,which has been paying out monthly.cp now say i have failed to meet the terms set out in the policy.i had requested the policy previously but it has never been provided.hence trying to find other people this has happened to

Hi lilal. I made a complaint about PPI that I took out to Cardiff Pinnical a couple of months ago. I got a letter back saying they have refered me back to the original lender. I felt it was a bit of a dodge of my complaint!!!! I need to follow it up though as I've heard nothing from the original lender either.

thanks alan ,only i think it,s going to be an uphill struggle to prove my case without other cp customers help

wouldn,t happen to be ge money .

No it's IF......

Although I'm about start work on an N1 for court for GE Capital for PPI misselling. They sold PPI to me when I was a student and working under 16 hours a week.

Please don't be disheartened, I got like that a few weeks ago. I've had 2 successful cases of missold PPI. One a few weeks ago for around £50 from a catalogue and I heard back from a well know credit card company yesterday that they are upholding my complaint plus interest. I worked out how much it will be and without interest its over £1100. I seriously didn't think I was getting anywhere. Please keep at them!!!! When I get the money I'm going to make a donation to this site because it and everyone on here have been such a help to me.

thanks anita.i complained to ge last feb ,fos unable to help ,it,s now with the fla.but it seems that they are all in each others pockets .i have 2 current policies, one of which i have been missold ,the other is the policy cp have closed for breach of conditions .this i,m not trying to claim as misselling(and that fact that i have claimed on it ) as far as not providing a policy so how do i know what the conditions are .i was provided with a schedule of insurance but from ge ,this is all i have ever had and thought i would get as i thought that i was buying the policy from them ,this states how much the premium is,however i now realise this premium is in fact an additional loan to purchase an insurance policy how flippin stupid am i.so now it,s all gone pete tong where are the regulatory bodies to back the consumer, yup and the advice from the customer relations person from norwich union ,more like birds of a feather

When were the policy's taken out? Have you received any kind of signed consumer credit act, application form or insurance documents from GE or Norwich Union?

have a cc agreement and a schedule and that,s it.taken out in 04. not to do with nu ,it,s just me having a pop at the employee of nu on here

OK my advice would probably be no good.

The only thing I guess you can do it push them because they have admitted that the policy is unsutiable. In that case they shouldn't have sold you it in the first place.

The other thing that is maybe worth looking at is if the CCA is correct. Does it have all the perscribed terms etc. If not then it not executed and argue they shouldn't have taken the money in the first place.

ok my file against pinnacle is now with the fos .so if anybody else who has the same thing, no policy provided it WOULD BE very much appreciated if you contact the FOS and let them know .thank you

Lilal Re Pinnacle Insurance. It may be you're waisting your time with pinnacle and should be concentrating on the company/bank etc who fronted their policy to you.

I have a similar claim against Lombard who used Pinnacle until 2005 based on the fact I never knew their was a PPI on the loan until I had reason to query a detail after the loan had been cleared and it's only recently I've had copy of this alleged insurance contracts terms and conditions sent to me. By itself the insurance terms and conditions are useless on three points - employment status -pre existing health conditions - and most useless of all a maximum 12 month cover for a three year agreement. However your recourse is probably against the loan providor not the insurer. It is also required of the loan providor that they supply you with the terms and conditions of the insurance; otherwise they are selling you a product they know nothing about. Common Law of contract doesn't like that.

Meanwhile, have a look at the Financial Ombudsman Service web site. Publications issue 62. This should give you a fair idea on the criteria they look for in deciding PPI complaints. Best of luck

thanks pitbull ,with this issue i,m not claiming it,s missold as i had been claiming on the policy (it does pee me off though that the policy is 5yrs on a 7 yr loan and as i had an rta which was not my fault i can,t now state that it is missold),pinnacle have now suspended it and are even demanding that i repay to them the loan payments they paid about £8000.i,m still not back at work either .my argument is that they failed to administer the policy correctly ,it.s like making a set of rules but not stating what they are .i requeseted the policy doc 2 times by phone which was never sent and when they did send a copy with my SAR ,the one they sent had someone else,s policy number on it and started 4 months later .i have tried the fos regarding ge money who sold this and wife,s policy(see other post) but as it was pre 05 they cannot help,however they can act against pinnacle because they belonged to the GISC pre 05.

Hi Lilal.

a quick check seems to me state mis-sold PPI was this a single premium policy? How can they suspend it if you are still paying the monthly payments?
Who sold the policy to you in the first place?
Keep at them the SAR request is a Legal request in accordance with the Data Protection Act 1974 and if the organisation do not abide with the rules then the law namely the Information Commissioners Office can order them to release all the information you have requested.

The more complaints to the Information Commissioner Officee (ICO) the Financial Ombudsman Office (fos) the Financial Services Authority (FSA) the British Bankers Association (BBA) The sooner we may have a result for the consumers

aa

yes i am kicking up fuss with whoever i can .pinnacle even sent me copies of other policyholders policy no,s, cover even how much it cost and when d/d would be taken .these i sent to ICO,my case is with fos but do to their workload it could be a little while
like i say i,m not going for mis-selling as i have claimed just that now they have stopped it and demand that i repay the benefit they paid out.ge /first national sold it and yup is front loaded

Lilal ; sorry for the delay in answering your post. In my opinion nothing you have said regarding the PPI you were sold distingquishes from not being a missold policy. The questions to be answered are
a) Did the loan provider sign you up? b) Or did you source the insurance and arrange it? c) Have you arranged with the loan provider to extend the term of the loan? d) Are you now in receipt of a Pinnacle terms and conditions document (Is there a cluase in it stating the payments are for 12months max. Just check, they're quite well known for this.)

Apart from b, all the other possibilities are actionable under misselling. But I'm a bit of a numptie in this cyberspace navigation and lingo and without facts is diffecult to advise, but if I can help I will.

One other question, on what grounds are they asking you to repay the £8k?