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Hi I wrote to Firstplus last year about my PPI and they refused to pay anything out to me but unfortunately my father in law was taken seriously ill and then died so with a lot to do i did not pursue it. Today I thought to myself why should they take all of the money off me and have sent a sars letter with my £10. I took my first loan out with them in 2003 and then took a further advance, so they paid the other one off and then added ppi again as a single premium and i did not realise till reading this forum that it all lasted 5 years they just kept saying that after 5 years i would get half the money back. I moved house in 2007 and the loan was paid off with very little refund. Before that i had tried to cancel it and they said i could but i would get no premium back and my payments would drop by approx £4.00 per month which is not a lot seeing as the ppi was £12000 added up front to the second loan. I know they will refuse but i feel i have been totally ripped off. So when i receive the paperwork back off them, does anyone know what my next approach would be as i am very unsure how to go about this. Hope someone can help me.
Hi I wrote to Firstplus last year about my PPI and they refused to pay anything out to me but unfortunately my father in law was taken seriously ill and then died so with a lot to do i did not pursue it. Today I thought to myself why should they take all of the money off me and have sent a sars letter with my £10. I took my first loan out with them in 2003 and then took a further advance, so they paid the other one off and then added ppi again as a single premium and i did not realise till reading this forum that it all lasted 5 years they just kept saying that after 5 years i would get half the money back. I moved house in 2007 and the loan was paid off with very little refund. Before that i had tried to cancel it and they said i could but i would get no premium back and my payments would drop by approx £4.00 per month which is not a lot seeing as the ppi was £12000 added up front to the second loan. I know they will refuse but i feel i have been totally ripped off. So when i receive the paperwork back off them, does anyone know what my next approach would be as i am very unsure how to go about this. Hope someone can help me.
Hello GS,
Welcome to the forum, when you get the information come back and let us know. We are all here to help you suceed
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Hi thanks for that as soon as i receive it i will post it on here.
Dont be suprised to find the info they send is well short of what they should send you, and guess whats missing from mine thats it the insurance documentation. Can I just say to you that if you have a read around you will start to find that there may be other areas that you could be claiming against firstplus along with you Mis sold insurance. I am writing to first plus demanding they comply with Subject access request - but whats the best they say they have sent everything how can one prove they never! Not quite a suprise but they seemed to have left out the bits that show the mis selling in my case .
Anyhow I just wanted to say good luck, and no matter what dont let your head go down with these people.
h i will let you know when i received the data off them and if they have sent no evidence of PPI, please let me know how you go on about receiving your insurance docs. Hope you get them.
Hi sent sars off Wednesday received all 100 and more pages full from firstplus, absolutely loads to trawl through. Please can anyone tell me what i am looking for now do i look at both firstplus loans and the settlement figures, sorry if i sound thick but a quick glance though it looks like i got hardly any PPI back on both loans. PLEASE CAN SOMEONE ADVISE ME. Should i will post both settlements on this site if it will help. Now a very confused lady.
Hi sent sars off Wednesday received all 100 and more pages full from firstplus, absolutely loads to trawl through. Please can anyone tell me what i am looking for now do i look at both firstplus loans and the settlement figures, sorry if i sound thick but a quick glance though it looks like i got hardly any PPI back on both loans. PLEASE CAN SOMEONE ADVISE ME. Should i will post both settlements on this site if it will help. Now a very confused lady.
How did you make the deals in regards your loans with FP was it on the phone? If so you should have got transcripts of your conversations with FP. It would seem FP may be negligible in different ways in regards their loans and PPI. Have a read and re read at some of the excellent stuff that others have posted in particular the stiickies and then revisit the stuff they sent you and things should start to fall into place as to what you can have them on.
Hi got paperwork back but cant find any transcripts relating to the conversations when taking out both loans, should they have sent them too. When i first complained my father in law became ill so nothing else was done they sent me a letter back then saying that this is a single premium policy with amount being debited to the loan account and paid to the insurer at inception of the loan, the premium is incorporated into the balance of the loan and is repaid over the full term and the insurance runs for a period of 5 years and at the end you are entitled to reclaim the cashback premium. I took it out in 20/12/04 the advance was 63489.90 of which £12489.90 was PPI. On the letter it said if i cancelled the insurance in April 2007 the rebate offered by the insurance co. would be 554.23 which is they say approx 4.4% of the actial premium does anyone know if that seems fair. I settled the loan in may 2007 hope some one can help me with this i also had another loan which was taken out in 2002 but then took out the other above. Sorry if this is long and drawn out but not sure what to do next.
You should have received tape recordings of phone conversations with your SAR - not that all the conversations are likely to be on them.
I am dealing with a reclaim from Firstplus for some friends in similar situation. The response to their SAR did not include any details of the first loan - in fact I only found out about it from listening to the tapes! So I have now written and demanded information about the earlier loan on the basis that it should have been sent with the other information. They still have their loan and what I am working on reclaiming is the total amount of the PPI premium(s) - I assume there will be two, plus interest that they have been charged on them from day one, less any rebate paid on settlement of the first loan.
In your case you need to work out the premium charged on the first loan and how much interest you were charged on it up to the date it was settled, then at that point credit to the calculation any rebate you were given. Then do the same with the second one up to the date it was paid off. I hope that makes sense - pm me if you need any help with the calcs.
Fair? I think not
BANK CHARGES
Nat West Bus Acct £1750 reclaim - WON
LTSB Bus Acct £1650 charges w/o against o/s balance - WON
Halifax Pers Acct £1650 charges taken from benefits - WON
LTSB Pers Acct - £2K charges, £1K o/d - Rob Way latest DCA
DCAs
Lowells/Capital One - no CCA - gone away £1500
Lowells/MBNA - no CCA - gone away £10K
Abbey - no CCA - £3.5K
CL Finance - 3 court claims re GE storecards 2 withdrawn, 1 hanging by a thread
Hillesden/DLC re Barclaycard - ongoing battle re validity of CCA - £3.5K
Clydesdale - charges more than balance - valid CCA:o - onto 4th DCA so far
LTSB card - £7K - no CCA - destroyed after 6 years! - latest DCA - AIC
Others
GE Money sec loan - £1900 in charges - settlement agreed
GE Money sec loan - ERC of £2.5K valid for 15 years - on standby
FirstPlus - missold PPI of £20K for friends - WON
I would try phoning first - there should be a reference number on the covering letter with the rest of your SAR paperwork. I think Firstplus are a bit busy with SAR's at the moment - they even sent someone else's data with my friend's stuff - I haven't decided what to do about that yet:o.
BANK CHARGES
Nat West Bus Acct £1750 reclaim - WON
LTSB Bus Acct £1650 charges w/o against o/s balance - WON
Halifax Pers Acct £1650 charges taken from benefits - WON
LTSB Pers Acct - £2K charges, £1K o/d - Rob Way latest DCA
DCAs
Lowells/Capital One - no CCA - gone away £1500
Lowells/MBNA - no CCA - gone away £10K
Abbey - no CCA - £3.5K
CL Finance - 3 court claims re GE storecards 2 withdrawn, 1 hanging by a thread
Hillesden/DLC re Barclaycard - ongoing battle re validity of CCA - £3.5K
Clydesdale - charges more than balance - valid CCA:o - onto 4th DCA so far
LTSB card - £7K - no CCA - destroyed after 6 years! - latest DCA - AIC
Others
GE Money sec loan - £1900 in charges - settlement agreed
GE Money sec loan - ERC of £2.5K valid for 15 years - on standby
FirstPlus - missold PPI of £20K for friends - WON
Hi rung firstplus regarding phone calls today and they said that they will have to send me out a form to get the phone calls and it will then cost me £5.00 to be able to get them. Is that right. Help does anyone know if this is the correct procedure as i have already paid £10.
Hi rung firstplus regarding phone calls today and they said that they will have to send me out a form to get the phone calls and it will then cost me £5.00 to be able to get them. Is that right. Help does anyone know if this is the correct procedure as i have already paid £10.
ITs time to put it in writing requesting they comply with you SAR and if they do not do so you will be putting a complaint into the information commisioner. They must be having a laugh with their wanting another fiver!!
I am glad that someone has put you right with their responsibility with a SAR, they must by law provide you will all information that they hold on their databases regarding you and the account, and this includes all telephone transcripts and telephone calls.
Sent them a non-compliance to the SAR you sent. You will find one in the bank template letters thread on the main page. Give them a deadline in which to comply with the rest of the information 7days or 14days and then report them to the Information commissioners office for non-compliance. They will get into big dodo with the ICO
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Hi Thanks for all your help I now have the non compliance letter printed and will be sending it recorded tomorrow, i will let you know as soon as i get a reply, i have a funny feeling they will ask for that £5.00 but they will not be getting it i will report them as soon as the date has expired.
Thanks again for everyones help as I could not do it on my own.
Keep at them gyspsysaffy. My friends have received a full refund of theirs today
BANK CHARGES
Nat West Bus Acct £1750 reclaim - WON
LTSB Bus Acct £1650 charges w/o against o/s balance - WON
Halifax Pers Acct £1650 charges taken from benefits - WON
LTSB Pers Acct - £2K charges, £1K o/d - Rob Way latest DCA
DCAs
Lowells/Capital One - no CCA - gone away £1500
Lowells/MBNA - no CCA - gone away £10K
Abbey - no CCA - £3.5K
CL Finance - 3 court claims re GE storecards 2 withdrawn, 1 hanging by a thread
Hillesden/DLC re Barclaycard - ongoing battle re validity of CCA - £3.5K
Clydesdale - charges more than balance - valid CCA:o - onto 4th DCA so far
LTSB card - £7K - no CCA - destroyed after 6 years! - latest DCA - AIC
Others
GE Money sec loan - £1900 in charges - settlement agreed
GE Money sec loan - ERC of £2.5K valid for 15 years - on standby
FirstPlus - missold PPI of £20K for friends - WON
Hi thanks for that i will. But how long did it take, i am still waiting for tape recordings if i dont receive these what will be my next cause of action and if i do receive them what do i do then, really sorry to bother you but not sure what cause of action i will have to take next. Hope someone can help me as i am quite new to this.
Hi thanks for that i will. But how long did it take, i am still waiting for tape recordings if i dont receive these what will be my next cause of action and if i do receive them what do i do then, really sorry to bother you but not sure what cause of action i will have to take next. Hope someone can help me as i am quite new to this.
Hello gypsysaffy,
I am sure that GL will come back to you with the length of time it took for the refund. These things can take a while, but what you must do is not give up, that is what they are hoping for. They will drag things out, complicate matters and not give you all of the info willingly, if at all.
Have you had a look at your figures, can we help you with those????
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Firstplus And Ppi
and they refused to pay anything out to me but unfortunately my father in law was taken seriously ill and then died so with a lot to do i did not pursue it. Today I thought to myself why should they take all of the money off me and have sent a sars letter with my £10. I took my first loan out with them in 2003 and then took a further advance, so they paid the other one off and then added ppi again as a single premium and i did not realise till reading this forum that it all lasted 5 years they just kept saying that after 5 years i would get half the money back. I moved house in 2007 and the loan was paid off with very little refund. Before that i had tried to cancel it and they said i could but i would get no premium back and my payments would drop by approx £4.00 per month which is not a lot seeing as the ppi was £12000 added up front to the second loan. I know they will refuse but i feel i have been totally ripped off. So when i receive the paperwork back off them, does anyone know what my next approach would be as i am very unsure how to go about this. Hope someone can help me.
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Originally Posted by gypsysaffy
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