Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    pc23 Novitiate

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    Default Mis-sold PPI: GE MONEY/FIRST NATIONAL/INDEPENDENT FINANCE CORP

    I was mis-sold a one-payment PPIicon by the Independent Finance Corp (acting as a broker for First National Home Finance, which later became GE Money). I have complained to the Financial Ombudsman Service, who initially ruled in my favour - but GE Money then piped up to say it wasn't them who sold it, it was IFC, and conveniently in November 2003 they weren't covered by the fosicon. They have advised me that I "may wish to refer the complaint to the Financial & Leasing Association" - but I am not sure whether to just issue a straight lbaicon and then hit them with court action.

    My complaint is also about late-payment charges and also early settlement charges.

    Anyone got any advice or suffered similarly at the hands of these cretins?

    Similar Threads:
    BATTLES WON/ONGOING
    NatWest Bank- £8k+ **SETTLED IN FULL**
    Capital One - £2k+ ** SETTLED IN FULL**
    Cahoot - £255 **SETTLED IN FULL**
    Abbey National - £385 **SETTLED IN FULL**
    Central Trust - £3k+ **SETTLED IN FULL**
    GMAC RFC - £2k **SETTLED IN FULL**

    Now going after Natwest (again) and Halifax.

  2. #2
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    pc23 Novitiate

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    Default Re: Mis-sold PPI: GE MONEY/FIRST NATIONAL/INDEPENDENT FINANCE CORP

    Also, if I go to court should I keep charges and PPIicon claim separate?

    BATTLES WON/ONGOING
    NatWest Bank- £8k+ **SETTLED IN FULL**
    Capital One - £2k+ ** SETTLED IN FULL**
    Cahoot - £255 **SETTLED IN FULL**
    Abbey National - £385 **SETTLED IN FULL**
    Central Trust - £3k+ **SETTLED IN FULL**
    GMAC RFC - £2k **SETTLED IN FULL**

    Now going after Natwest (again) and Halifax.

  3. #3
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    lilal Novitiate

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    Default Re: Mis-sold PPI: GE MONEY/FIRST NATIONAL/INDEPENDENT FINANCE CORP

    i wouldn,t bother with the fla ,i wasted 3 months for them to look into it ,ge responded to them with a letter they sent me 6 weeks before that.ge pay the fla to be a member so the fla look after the banks interests, like when the fsa proposes any changes .they do not regulate the banks !.so if they have done wrong the fla have no authority over the bank to order it to correct the problem.
    stick with your lbaicon and go to court ,which i am about to


  4. #4
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    pc23 Novitiate

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    Default Re: Mis-sold PPI: GE MONEY/FIRST NATIONAL/INDEPENDENT FINANCE CORP

    thanks lilal... does anyone know if i need a separate claim for PPIicon and charges, or can they be on the same N1?

    BATTLES WON/ONGOING
    NatWest Bank- £8k+ **SETTLED IN FULL**
    Capital One - £2k+ ** SETTLED IN FULL**
    Cahoot - £255 **SETTLED IN FULL**
    Abbey National - £385 **SETTLED IN FULL**
    Central Trust - £3k+ **SETTLED IN FULL**
    GMAC RFC - £2k **SETTLED IN FULL**

    Now going after Natwest (again) and Halifax.

  5. #5
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    pc23 Novitiate

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    Default Re: Mis-sold PPI: GE MONEY/FIRST NATIONAL/INDEPENDENT FINANCE CORP

    thanks lilal... does anyone know if i need a separate claim for PPIicon and charges, or can they be on the same N1?

    BATTLES WON/ONGOING
    NatWest Bank- £8k+ **SETTLED IN FULL**
    Capital One - £2k+ ** SETTLED IN FULL**
    Cahoot - £255 **SETTLED IN FULL**
    Abbey National - £385 **SETTLED IN FULL**
    Central Trust - £3k+ **SETTLED IN FULL**
    GMAC RFC - £2k **SETTLED IN FULL**

    Now going after Natwest (again) and Halifax.

  6. #6
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    lilal Novitiate

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    Default Re: Mis-sold PPI: GE MONEY/FIRST NATIONAL/INDEPENDENT FINANCE CORP

    i couldn,t fit my POCicon on the n1 ,gave a brief desciption on it then attached the rest in pages


  7. #7
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    pc23 Novitiate

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    Default Re: Mis-sold PPI: GE MONEY/FIRST NATIONAL/INDEPENDENT FINANCE CORP

    GE Money have agreed to pay out in full (including interesticon & court fees) on charges. Now just waiting for PPIicon from broker!!

    BATTLES WON/ONGOING
    NatWest Bank- £8k+ **SETTLED IN FULL**
    Capital One - £2k+ ** SETTLED IN FULL**
    Cahoot - £255 **SETTLED IN FULL**
    Abbey National - £385 **SETTLED IN FULL**
    Central Trust - £3k+ **SETTLED IN FULL**
    GMAC RFC - £2k **SETTLED IN FULL**

    Now going after Natwest (again) and Halifax.

  8. #8
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    Default Re: Mis-sold PPI: GE MONEY/FIRST NATIONAL/INDEPENDENT FINANCE CORP

    Excellent news well done an inspiration to us all congrats have a good weekend im sure you will!!

    Lloyds TSB (SARS) request sent 9th June 2006
    £2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267
    MBNA SETTLED IN FULL 15/09/2006 £829
    Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
    GE MONEY SETTLLED IN FULL £400
    Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
    Welcome Finance PPI 2 accounts one settled £1018 waiting on other
    GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
    Lloyds TSB PPI CC complaint sent 10/04/2008
    Black Horse PPI with FOS 20/05/2008
    HFC PPI complaint sent 22/05/2008


  9. #9
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    Default Re: Mis-sold PPI: GE MONEY/FIRST NATIONAL/INDEPENDENT FINANCE CORP

    First National - yes I have a PPIicon claim against them...via Santandericon now

    FLA just say they cannot do much to help...

    Any pointers re Particular of claim would be helpful..



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE