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Beachy is off again, this time First National (GE Money), before I even send the letter I know the response that I will get back - "we were not regulated by the FSA at the time so tough!
I would be most greatful if a knowledgable one could have a look at the agreement (PT if your around, your help with my Woodchester agreement was fantastic - this one was taken out roughly the same time, love it if there was the same mistakes!)
As far as the PPI was concerned the D/glazing salesman said that the finance would be approved quickly if we had PPI due to doing all the doors & windows, he also stated that BOTH myself & the OH would be covered - have since found out that this was a red herring as only the first named is covered, although we needed to replace the windows & doors we felt pressurised into signing as he had no intention of leaving until he got what he wanted.
Although this is a PPI reclaim, I would like the agreement checked, as per my GE Woodchester one which contained many errors, which made it improperly executed.
Should I post the agreement elsewhere to be checked?
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Somewhat hoping you would spot something not quite right like you did with my Woodchester agreement & for pt to check this one out (both did Stirling job on that Woodchester job).
I did read somewhere ( dammed if I can find it again) whereby pt looked at a similar FN agreement and found errors, but as I said just can't find it again.
Grasping at straws hoping this one had the same errors
I did read somewhere ( dammed if I can find it again) whereby pt looked at a similar FN agreement and found errors, but as I said just can't find it again.
perhaps send pt a PM and ask, just may get a result
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Well I have finally got a response from GE (Home Lending) regarding my PPI claim.
The nitty gritty is :-
quote 'From my initial investigation I note whilst GE Money did provide the finance to you for the PPI, GE Money did not sell it to you. You took this out through the broker *double glazing company*.
Because your complaint is specially about the service given and because GE Money neither sold this PPI to you nor were they present at the point of sale, I do not feel we can investigate your complaint fully.
You will need to contact *double glazing* direct and ask them to investigate your complaint as they are clearly in a much better position to do so.
As for GE Moneys involvement I need to inform you that this is our final response letter.'
Surely they cannot just wash their hands of this? In addition if they class the double glazing company as a 'broker' then surely broker fee's and commisions paid to them come into play.
Well I have finally got a response from GE (Home Lending) regarding my PPI claim.
The nitty gritty is :-
quote 'From my initial investigation I note whilst GE Money did provide the finance to you for the PPI, GE Money did not sell it to you. You took this out through the broker *double glazing company*.
Because your complaint is specially about the service given and because GE Money neither sold this PPI to you nor were they present at the point of sale, I do not feel we can investigate your complaint fully.
You will need to contact *double glazing* direct and ask them to investigate your complaint as they are clearly in a much better position to do so.
As for GE Moneys involvement I need to inform you that this is our final response letter.'
Surely they cannot just wash their hands of this? In addition if they class the double glazing company as a 'broker' then surely broker fee's and commisions paid to them come into play.
Beachy.
Do I need to lean on GE more or is it the D/Glazing company who is responsible for the ppi & should I be sending them a tenner under the data protection SAR.
I thought that was the case but just wanted a second opinion before I fired off another letter.
PPI complaint is only three weeks old so awhile to go yet, its another 'we werent regulated at the time' agreement
Is it possible to find out if commission was paid to the d/glazing co. for floggin' the ppi that has been added to the agreement - or am I clutching at straws with that.
Been away for just over a week, so here's a quick update on this PPI claim.
First National (GE Money) wont entertain the ppi claim, stating that its nothing to do with them - all they did was provide the finance for the double glazing, I should take it up with the d/glazing company.
Have spoken to the general manager of the D/G company and he has told me that he will not discuss it until I provide a copy of the agreement, copy of FN's letter & the reasons why I believe I/we were mis sold PPI.
I am really confused with this one, we have no paperwork bearing the d/g's logo/details (other then window sizes) all paperwork relating to finance/PPI is on FN stationary, but signed by the d/g salesman.
HiBeachcomber60
Who was the Insurance company that provided the PPI.
Was the Insurance company regulated.
If your not having much luck with D/G company you might be able to go after the Insurance company if they were regulated.
ie Why did a regulated Insurance company deal with an unregulated loan or Double Glazing company.
The fos are looking into one of my claims for this reason.
Insurance provided by Cardiff Pinnicale, althouth agreement is with First National (who it seems were regulated at the time (2004)) the agreement is now GE Home Lending (unsecured).
Not having any luck with the D'Glazing company.
Could do with some knowledge as to whether commissions were/are evident between Pinnacle/First National & the D/Glazing company concerned, but dont know how to go about finding out this info,nothing shows in the SAR that GE have supplied.
It would seem that FN were regulated by the FSA, but not sure about GE (although they now own FN.
The other factor is whether this agreement falls under the unfair practises because of PPI - seems to be the current topic on the forum at the mo.
Having read and read around the forum I am convined that this is a s18 Multi agreement because the ppi premium was loaded up front into the main loan which also attracts monthly interest.
Really depressed with this one, Link have just sent a statement of account for the past six months - debt grown by £900+ (no other info from Link - dont know whether they've bought the debt (in dispute) or are just acting as collection agents, letter was from their Litigation Team).
Have spoken to the fos regarding this PPI claim, I was told that it is quite possible that the Glazing company IS responsible for mis selling.
Asked who the company was (Europlas), was then told they werent regulated until 2007, so both GE & Europlas werent regulated at the time so FOS cant help.
The only glimmer of hope is that Cardiff Pinnicle (Insurance provider) WAS regulated and the FOS MAY take up the complaint due to a regulated company allowing an unregulated firm to sell insurance products.
Confusing or what ? May just forget it - its hard enough dealing with regulated companies.
Edit :- As a footnote - If Europlas was responsible for selling the PPI and have passed personal data to GE & Pinnicle then they have processed my data, therefore, should I send them a tenner for a SAR & also ask for the commissions paid/received.
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Beachy v First National (GE)
was concerned the D/glazing salesman said that the finance would be approved quickly if we had PPI due to doing all the doors & windows, he also stated that BOTH myself & the OH would be covered - have since found out that this was a red herring as only the first named is covered, although we needed to replace the windows & doors we felt pressurised into signing as he had no intention of leaving until he got what he wanted.
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Originally Posted by beachcomber60
