Thread: Mis-Sold PPI from Central Trust - HELP!

I believe i have been mis-sold PPI.

in 2003 I took out a secured loan over 25,000 through a broker.

http://i557.photobucket.com/albums/s...rfromIF010.jpg

They completed and application form:

http://i557.photobucket.com/albums/s...LApplic013.jpg

I asked not to have PPI when making the application and thus received the application form:

http://i557.photobucket.com/albums/s...reement011.jpg

and T and C

http://i557.photobucket.com/albums/s...HLTandC012.jpg

I noticed the 'X' in the PPI box and when i contacted them they said that due to the size of the loan i had to take the PPI and that is why it was added on to the loan.

I know understand this to be wrong and so i sent a letter:

http://i557.photobucket.com/albums/s...ltrtoGE007.jpg

and got this reply:

http://i557.photobucket.com/albums/s...ecReply004.jpg
http://i557.photobucket.com/albums/s...Reply-2005.jpg

so i sent another letter to the other company:

and got this reply:

http://i557.photobucket.com/albums/s...romCT-1008.jpg
http://i557.photobucket.com/albums/s...romCT-2009.jpg

i was not happy with this letter so i sent out a second letter:

http://i557.photobucket.com/albums/s...ltrtoCT014.jpg
http://i557.photobucket.com/albums/s...rtoCT-2015.jpg

and they replied with this letter and email:

http://i557.photobucket.com/albums/s...ustltr2001.jpg
http://i557.photobucket.com/albums/s...tltr2-2002.jpg

Email note was: http://i557.photobucket.com/albums/s...stEmail003.jpg

it seems to me that they are hiding behind the fact that there was no regulation then.

I wish to move forward and give them an lba but has anyone dealt with IF/Central Trust or can anyone advise

Thanks

bump

The fos can still deal with complaints for sales before 14th January 2005 as long as the policy was sold by a high street bank or the firm was a member of the General Insurance Standards Council (GISC).

If they are not a major bank or a GISC member, but a member of the Finance and Leasing Association(FLA), then the FLA rather than the FOS may deal with your complaint.

The firm you have complained to must tell you which body your complaint can be referred to in their rejection letter.


Information taken from the Which? website


enamae

hi felixfly
i am also dealing with central trust
maybe together we can deal them a blow contact me