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.
I am trying to claim back PPI from First National now GE. (Loan Processing Company) I am now informed that LPC no longer exsisits.
I wrote to GE for SAR in May 2007 and have been trying to get all the information together since them to take this to Court. As you know its like trying to get blood out of a stone.
In February 09, I wrote and asked for more information as they had not given me all that I had requested in my SAR dated May 2007. I am nearly ready to take to Court now. However, I have received the folllowing letter back from GE on 24th March 09
Can anyone tell me if they can destroy my file and close there records. Especially as from my point of view this was still an ongoing case.
I had asked for SAR information in (2007) well after the date that the loan was redeemed, and they still managed to find this for me, so how come they suddenly destroyed my file.
Nov 99 Loan for £20.000. 00
PPI added £ 4,784. 32
This was shown added together on the statement of Account and does not show if it was single or joint,interest was paid on the full amount of £24.784.32
Loan was redemeed in March 2002.
I have since found out that the PPI was with Cardiff Pinnacle, and was for a period of 5 yrs. and the PPI cover expired in 2004.I have had it confirmed by GE that they have personally contacted Pinnacle and they have confirmed "that our details are still recorded with them although no longer have a current policy"
I then SAR Cardiff Pinnacle, I received a letter saying "Unfortunatly they are unable to locate a Policy for this customer. and returned the £10 PO
Im sorry its so long, but could now do with some thoughts from you all
Over the time of the loan did GE send you any statements. I know in my dealings with them I used to get at least one a year. Mine showed details of loan payments and PPI etc.
One of the things that annoy me with GE, is even when you have paid your loan without missing any payments, they do not even send you a letter confirming it.
hi bach good to see you still around .doesn,t sound right that ge can destroy files i would imagine they have to keep records for a specified amount of time on paper then stored on a microfiche system.it wasn,t ge money that was fined it was ge capital selling PPI with store cards although altogether they are part of the same group.as for the ppi bit contact the fos about pinnacle and state to them that they (pinnacle) never issued a policy document even after SAR from yourself.ge sold you a loan to purchase this ppi in their t&c,s it would state who the insurance provider is ,so i,m thinking that if pinnacle have withheld the policy info from you they are at fault.how can you check if the policy is suitable within the 30 days cooling off period.also it would have come apparent that the policy would only be for 5 years and not the term of the loan.also what terms and conditions would you have to abide to as laid out by pinnacle not the schedule of insurance from ge.another point being ge state that further insurance would be offered if the insurance ends before the loan term ends,ok so if you made a claim on the policy on the 58th month (you understood that you were covered for the term of the loan hence the hefty policy cost) there is no way in hell that pinnacle or any insurance company would cover you as you are already claiming .pinnacle are covered by fos and they are as bigger rip off merchants(can,t type what i really call them )as ge money.
give fos a ring .i feel you are halfway there if pinnacle say there never was a policy but ge state that they have sold it (you already have this proof in your cca) one or both have failed ie missold
Documents should be retained for a period of six years after the last transaction on the account. (This bit deleted for safety) I would still go ahead if you have some statements of your account and stick in a complaint to the fos.
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.
Hi and thanks so much for your imput, I think your right they have shredded the info regarding the loan on purpose.
Having read and digested your thoughts, I have decided to still go ahead with the Claim.
One idea I thought was to push Cardif Pinnacle for part reimbursment of the PPI which I belieive we would have been entitled to.
PPI was for £4784.32 for the 5 yrs, as we paid the loan off after approx 2 yrs am I right in thinking that there should have been a refund anyway on the remaining 3 yrs.
If this is the case Im thinking to go for the part refund and take GE to Court for the rest, as I know we have a good case.
Thanks again for all of your help, its good to get other CAG views and support.
PPI was for £4784.32 for the 5 yrs, as we paid the loan off after approx 2 yrs am I right in thinking that there should have been a refund anyway on the remaining 3 yrs.
Yes. If a loan is settled early there should be a proportionate rebate on the loan and also any PPI attached.
I would be careful though if you have been told they have no cca or other documentation I would get the Information Commissioners Office involved to make sure what they say is true. You could start a court action and FN GE could miraculously produce the missing documents and wrong foot you. Best to be aware. Banks are getting up to all sorts of new tricks to get out of paying back 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.
I will look into the Information Commissioners Office, not thought of them, thats really useful idea of yours. Never had any dealing with them but will google the site and see how I go about it
My own complaints went to the FSA, fos, ICO, OFT, BBA some can act some do not but it makes them all sit up and look at what has been and is still going on.
Hope this helps out
aa
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.
First National GE destroyed my file
from First National now GE. (Loan Processing Company) I am now informed that LPC no longer exsisits.
Reply With Quote
.doesn,t sound right that ge can destroy files i would imagine they have to keep records for a specified amount of time on paper then stored on a microfiche system.it wasn,t ge money that was fined it was ge capital selling 
)as ge money.
