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Hello all. Bit of a newbie to this forum, but think I might have a case for PPI mis-selling, if you can help!
Bought a new car from a dealership in April 2006. Due to me being in a dmp at the time and having a terrible credit rating, the Options/Passport plan I wanted to take out was refused, so I was offered a 5-year loan instead. At the time I was told to take the PPI as it would be needed (due to the prior Options/Passport refusal). I didn't realise until I recently checked the documentation, that I have been paying over £36pcm for this!! Also, I already have insurance with my mortgage, so if I did have a problem, I'd have cover there anyway - the PPI isn't even needed! What a 'mare!
I have already put together a Subject access request to GE (with £10 cheque), so will send that off tomorrow. In the meantime, can anyone answer the following:
Should I wait for the SAR to be dealt with first, before issuing my claim?
The dealer provided the finance, so should my claim go to the dealer, GE directly, or?
I have a copy of the Credit Agreement (nothing with my signature on) that was sent by them, but the PPI bit isn't on the 1st page, it's on a 2nd page, just snuck in -- I can provide scans if needed -- is this something I should mention as I'm sure I've seen mentioned somewhere about how all the payment info has to be on one page, or something??
Re: point 3 -- in my less-than-detailed memory of events (it was 3 years ago!) the dealership had a fax copy of the agreement, which is what I signed, so it could be that page 2 was actually the reverse of page 1, although I've never had anything where it is double-sided, so can't say.
Oh, and despite their "welcome letter" (enclosing my copy agreement) mentioning an enclosed Certificate of Insurance for the "Capital Care Protection", there was nothing like that attached. In fact, if I needed to claim under the PPI I would certainly have a job!
Let me know what you think. As I said, I have scan copies of the welcome letter and copy agreement, if needed.
Hello all. Bit of a newbie to this forum, but think I might have a case for PPI mis-selling, if you can help!
Bought a new car from a dealership in April 2006. Due to me being in a dmp at the time and having a terrible credit rating, the Options/Passport plan I wanted to take out was refused, so I was offered a 5-year loan instead. At the time I was told to take the PPI as it would be needed (due to the prior Options/Passport refusal). I didn't realise until I recently checked the documentation, that I have been paying over £36pcm for this!! Also, I already have insurance with my mortgage, so if I did have a problem, I'd have cover there anyway - the PPI isn't even needed! What a 'mare!
I have already put together a Subject access request to GE (with £10 cheque), so will send that off tomorrow. In the meantime, can anyone answer the following:
Should I wait for the Subject access request to be dealt with first, before issuing my claim? (YES)
The dealer provided the finance, so should my claim go to the dealer, GE directly, or? (will need to see the Consumer Credit Agreement before making a comment)
I have a copy of the Credit Agreement (nothing with my signature on) that was sent by them, but the PPI bit isn't on the 1st page, it's on a 2nd page, just snuck in -- I can provide scans if needed -- is this something I should mention as I'm sure I've seen mentioned somewhere about how all the payment info has to be on one page, or something?? (post everything you can but remove all the personal details, names, addresses, sort codes, account numbers, bank employee addresses but leave in the figures and anything on PPI andinterest rates)
Re: point 3 -- in my less-than-detailed memory of events (it was 3 years ago!) the dealership had a fax copy of the agreement, which is what I signed, so it could be that page 2 was actually the reverse of page 1, although I've never had anything where it is double-sided, so can't say.
Oh, and despite their "welcome letter" (enclosing my copy agreement) mentioning an enclosed Certificate of Insurance for the "Capital Care Protection", there was nothing like that attached. In fact, if I needed to claim under the PPI I would certainly have a job!
Let me know what you think. As I said, I have scan copies of the welcome letter and copy agreement, if needed. (post but no personal info)
Ta
TMW
The more you post the better it gives the cag time to review and provide advice.
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.
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.
Can anyone advise -- it's been almost 4 weeks since I sent off my SAR, but I've not had a response or acknowledgement or anything, and my cheque has not been cashed. I have confirmed the delivery by online tracking at the beginning of the month, though.
Should I be chasing them up, or should I leave it until the 40 days are up?
Can anyone advise -- it's been almost 4 weeks since I sent off my SAR, but I've not had a response or acknowledgement or anything, and my cheque has not been cashed. I have confirmed the delivery by online tracking at the beginning of the month, though.
Should I be chasing them up, or should I leave it until the 40 days are up?
You could send them a gentle reminder that the SAR is a legal request under the Data Protection Act 1998 and has to be complied with within 40 days. Tell them you have proof of delivery through Royal Mail tracking and remind them of the date it was signed for.
I believe they will hold out up until the last day. If they take longer send a non compliance letter and complain to the ICO.
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.
TheManWho vs GE Money (GE Capital)
mis-selling, if you can help!
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Originally Posted by TheManWho
