Thread: First Plus refusal

Hi

I took out a loan with first plus 2 years ago, PPI to the sum of 7500 was added to the loan. I never take out insurance as i don't agree with it after falling foul a number of years ago, however the salesman on this occasion was quite insistent as i recalled the events and i did not recall a telephone conversation approximately a week later in which he rambled on about a whole load of stuff and it is apparent from the call recordings that i am not taking any notice of what he is saying and can hardly make him out because of distractions in the background. i can also distinctly make out saying that i was totally confused by it all but agreed to what he was saying.

I don't know whether because of this i have a case to pursue here to get this money back and any advice would be much appreciated. I am also scared that because we are in arrears with the account if i push it to much they will seek repossession of my home

all info or comments gratefully accepted

Originally Posted by michellecorlett2005

Hi

I took out a loan with first plus 2 years ago, PPI to the sum of 7500 was added to the loan. I never take out insurance as i don't agree with it after falling foul a number of years ago, however the salesman on this occasion was quite insistent as i recalled the events and i did not recall a telephone conversation approximately a week later in which he rambled on about a whole load of stuff and it is apparent from the call recordings that i am not taking any notice of what he is saying and can hardly make him out because of distractions in the background. i can also distinctly make out saying that i was totally confused by it all but agreed to what he was saying.

I don't know whether because of this i have a case to pursue here to get this money back and any advice would be much appreciated. I am also scared that because we are in arrears with the account if i push it to much they will seek repossession of my home

all info or comments gratefully accepted

Hello,

My advice is to send a Subject access request to gather all the data on your loan.

Please see these links:

Full SAR for ppi

Data Protection Act 1998 - Subject access request

You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail

You should request the following documents:

A true copy of your Consumer Credit Agreement with the terms and conditions that were applicable at the time you took the loan/card/mortgage.

Copies of all statements applicable to the loan/card/mortgage.

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

Copies of all recorded telephone calls or transcripts of the recordings.

Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.

Do not be fobbed off by them citing issues such as relevant filing systems.

If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.

Chase them for the data, then research, then claim your money back.

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