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.

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  1. #1
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    Default Time Limit for PPI claim??

    Hi,

    Hoping someone here can advise me.

    I took out a car loan in Jan 98 with Woodchester Finance, which ran for 5 years - so up until Jan 2003.

    Whilst sorting out all our paperwork generally I came across the original HP Agreement for this and noticed that (in their terminology) Credit Protection Insurance was added to this. I presume this is the same thing as PPIicon?? I've not had any exposure up until now with the whole PPI area as I never normally opt for it!

    Now I would never normally opt for this and at the time I was self employed - as was my husband so this would not have covered us anyway.

    Is it too late now to attempt to reclaim this??

    Any advice would be very gratefully received.

    Thanks in advance for your help.

    PQ

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  2. #2
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    Default Re: Time Limit for PPI claim??

    Hello Poker Queen,

    No you can probably still make a claim. I say probably because I am just starting out on my own claim and therefore not fully up to speed on all the legalities yet. the Financial Ombudsman Service (fosicon) option is out because they only deal with consumers who started a PPIicon loan after the FSA ruling i.e. 14 January 2005 so any loans with PPI before this will have to be dealt with through the Courts service.

    Firstly can I ask what more information do you have on woodchester finance? any addresses etc.

    You have the HP agreement is this a HP agreement or a consumer crediticon Agreement?

    Even though you fall outside of the FSA ruling and the option of complaining to the FOS I believe the Woodchester finance would have to fall under the rule of some authority.

    If you can supply some more information on the Company I will try and find out where you can go next in your quest for refund.

    aa


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    Default Re: Time Limit for PPI claim??

    Hello poker queen,

    firstly please see these links about woodchester:

    Reviews of GE Capital Woodchester, Compare all Car Loans at Review Centre

    MyCarFinance - GE Capital Woodchester Customer Web Site

    GE Capital Woodchester to move to Leeds

    And this is from another thread with the same fight as yourself you may be able to get some helpful information from it.

    GE Capital Woodchester

    I believe this last link may be for illegal bank charges but it may give you some tips for addresses and complaints issues

    Hope all of this helps you with you reclaim of PPIicon

    regards

    aa

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  4. #4
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    Default Re: Time Limit for PPI claim??

    Thanks for your help.

    The document I have here says at the top

    "Hire Purchase Agreement regulated by the consumer crediticon Act 1974"

    I have an address for Woodchester as printed on this agreement (which dates from Jan '98 so is likely no longer valid):
    Woodchester Finance Limited
    Woodchester House
    Selsdon Way
    Docklands
    London
    E14 9HA

    Thanks for those links - I'll take a look.

    thanks very much for such a quick response.

    PQ


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    Default Re: Time Limit for PPI claim??

    Hello Poker Queen,

    Yes I would suggest the HP agreement is then in the same category ( and I am no authority on this ) as the consumer crediticon Agreements within the Consumer credit Act 1974.

    Hope the links are helpful I believe the GE may have changed address but you can always do a google search to find them!!

    aa


  6. #6
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    Default Re: Time Limit for PPI claim??

    Thanks for this Alanalana,

    I don't suppose you could point me in the direction of some sort of templateicon I could send to them could you?

    I've tried looking around this site, but haven't spotted anything

    Thanks very much

    PQ


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    Default Re: Time Limit for PPI claim??

    Hellp PQ,

    the bank templatesicon thread has been temporarily moved to update the letters. No sure if you would find anything in there as I believe it was many aimed at recovering Illegal Bank Charges.

    The best advice I can offer is to search some of the Threads and see what other people have been sending off to reclaim the PPIicon there are many around just takes a bit of time to find one to suit your circumstances.

    I would not like to give you just one example and find it did not work for you.

    Additional information on GE not sure if you will be aware of this but GE have already been fined.
    GE Capital Bank hit with 610,000 PPI fine | Money | guardian.co.uk


    Regards
    aa

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