Thread: Littlewoods ppi

Hi
I am now going after Littlewoods again, tried last yr but gave up i wasnt as clued up then.

I have received my SAR from them and found that I have paid £700 in PPI between 2003-2006 .

My question is, Do I have to write to them first just asking for a refund [knowing last yr they said no], or do I send a demand for a full refund plus interest straight off.

I know it was mis sold I wasnt working I was on benefits.

There was also no insurance documents in SAR either.

Thanks in advance

Originally Posted by livingdeadguy

I would send in a new letter with the interest added.

Keep me up dated as i will also be going after littlewoods so maybe we can help each other on this one?

Thanks livingdeadguy, will do it later.

I've got 2 claims in already with Shop Direct Group, Empire Stores and Great Universal. Empire are just pi**ing me around so I am awaiting SAR from them so that I can send payment request. Great Universal have point blank refused even told me I couldnt go to fos. Did it anyway and I am awaiting FOS decision.

Good Luck with your claim they are not an easy bunch to crack.

You should now be checking the link i have just posted in the PPI forum which names and shames the financial industry and use it to good effect.

PF

Originally Posted by pompeyfaith

You should now be checking the link i have just posted in the PPI forum which names and shames the financial industry and use it to good effect.

PF

Thanks PF

Will include in my letter that fos has already upheld complaints.

I have today heard from Littlewoods.
They have turned me down point blank.


They say that the Insurance was sold initally in 1998, updated in 1999 and further enhancement was offered in 2005. I have never had any insurance documents and there was no copy of any policy from 2005 nor a copy of phone call or letter sent stating the updates in my SAR.

They go on to say that the insurance was offered and accepted (No it wasnt) over the phone and so there is no paperwork to be signed. They say they work from a strict script to ensure the policy is acceptable to the customer (no they dont if they did they would never have sold it to me I wasnt working).
They also say I had the full benefit of the cover (I didnt,how could I it was for unemployment and sickness cover).
They finish by telling me that they have made their final response the matter is closed I have no claim and that I cannot go the fos because they werent a member of the dispute resolution services until 2003.

What do I do next??

Do I write again issuing court action or do I just give up??

BTW what im trying to reclaim comes to over £700

Thanks in advance

Hi Im looking into this for a freind at the moment.She has three accounts with cataloge companies.

You have exactly the same letter that she has had, our dates conincide with the same as yours, 1998 1999 right through to 2009. They will not budge. However, Iv managed to get them to stop sending her invoices each month and adding £12. 00 per invoice. But they still will not accept the argument regarding the PPI that was illegally added. She did not request not wanted PPI she had other insurance in place at the time.

Im sorry I can,t offer you much advice but just keep on top of the requet by wrtiting back and contradicting them. We have now threatened them with Court action and are now waiting there final reply.

Your Reply is identical to hers, everyword.

Regards and best of luck

Regards.

Hi Bach

Thanks for the relpy.

Its no suprise that your letter was the same. I too have 3 catalogues that I am pursuing for PPI and everyone of them sent the same letter back.

What they say about the fos I have found to be incorrect. I have written to the FOS regarding my Great Universal account PPI and they said they would look at it. The FOS have even sent for my paperwork from Great Universal (so keeping fingers crossed that they rule in my favour).

Will write to Littlewoods and take their letter apart and I will enclose a copy of the DWP entitlement at time the PPI was added (I mean sold!?).
I am willing to go to court over this.

Good Luck with your friends claim.

Originally Posted by alanalana

Hello msowing.

I would gather up all the correspondence with regard to Littlewoods.

I presume you are in possession of all your documentation on your littlewoods account?

If not you should send a Subject access request to get the information you will need to claim your PPI back as mis-sold.

You must not be put off by point blank refusals. The banks are trying every possible ploy to put consumers off the reclaiming track. If you believe you have a case for Littlewoods mis-selling PPI to you then you should stick by your guns and claim your money back. The Financial Ombudsman Service are currently upholding 90% of claims on PPI mis-selling so your chances of success are good.

The banks will send all sorts of letters to put you off claiming and to delay claiming. Reason they want to keep your money and the interest they are getting on it.

Please read the stickies at the top of this forum if you have not already done so. Lot of useful information but a lot to get through.

Time to fight back and keep posting if you hit obstacles along the way.

Good luck

aa

Thanks aa

Yes I have done SAR and received my SAR from Littlewoods.
However there is no record of phone call made in 2005 (know I cant get alleged phone calls from 98 + 99 coz they go back to far) to ask if I wanted the new updated PPI nor is there any documentation for PPI enclosed in SAR. I did ask but they said in their letter that because it was done over the phone there was no paperwork to sign or send out. That is going to be my main arguement oh and the letter from DWP outlining my entitlement to Carers Allowance since 1994.
Will write letter this weekend and get it off Monday.

I sent to Littlewoods via recorded delivery on 9th Nov 09 regarding their reply that they didnt think they had mis sold PPI. I stated that I thought they were wrong in their decision and also asked for a transcript of the phone call or a copy of the phone call.
I havent heard anything from them.
How long should I give them to reply?

Thanks in advance

Originally Posted by alanalana

They have 40 calendar days to respond in full (with all the data applicable to you as a data subject) to a Subject access request after that you can prod them and be nice giving them say another 7 days if you feel benevolent.

If however you are not in a benevolent mood you can submit a complaint to the Information Commissioners Office pointing out their serious failing to comply with the Data Protection Act 1998 which is a legal statute within law.

Results within Legislation - Statute Law Database

Hope this is helpful

aa

Thanks aa but I have had my SAR. The letter was why I disagreed with their decision when they said no to mis selling ppi. I took apart their response and asked for a copy of the phone call which they said they made in 2005 with the upgrade for ppi. There was no mention of phone call or transcript in my SAR. Nor where there any insuarance documents.

How long do I give them to reply to my letter? What can my next move be?
Going to fos takes so long, I have been waiting for over 6 months now for them to make a decision on my Great Universal ppi.

Originally Posted by alanalana

As you appear to have asked for your PPI to be refunded and they are not playing ball you can if they have refused to repay the PPI take that as a final response and complain to the Financial Ombudsman Service now.

If they have not given you a final response they have 8 calendar weeks to give you a response anything over 8 weeks and again you can go straight to the fos. Then it is a long waiting game but, you can be happy in the knowledge that the FOS are upholding 90% of complaints in favour of the consumer.

Thanks again aa. Your information is brilliant

Then its the FOS then. Will download form and fill it out over the weekend.
Will do the same with Empire Stores they didnt even bother to sned me a reply at all but its been over 2 months since I sent that one.

I really dont know why they do it and say no [maybe they think I will give up] I have concrete proof of Carers Allowance being received so policy was never going to valid.

I intend winning these even if it means going to court.

Originally Posted by livingdeadguy

Good for you for staying strong on your claim! its so easy to let these knock backs get you down , as i know.
Good luck

LDG

Thanks LDG