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has anyone had any succes in reclaiming PPI back from them. At the time I used tis catologue I was in dire financial straits and never read anything properley. I have recently got paperwork out to start my claim for the charges and was horrified to see how much insurance I was paying. No wonder I was not getting anywhere clearing the balance.
Sorry unable to find any links. It seems you have PPI issues on a catalogue seller. Do you have the Consumer Credit Agreement applicable and the other relevant documentation such as the terms and conditions with the prescribed terms listed?
This would be the starting point in any claim to get mis-sold PPI refunded.
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.
Name & Registered Office: THE GREAT UNIVERSAL STORES LIMITED
LANDMARK HOUSE
EXPERIAN WAY
NG2 BUSINESS PARK
NOTTINGHAM
UNITED KINGDOM
NG80 1ZZ
Company No. 02259511
Previous Names:Date of changePrevious Name 26/07/2000 KAYS MAIL ORDER LTD. 25/07/2001 GUS LIMITED 14/11/1988 STABLEGAUGE LIMITED 15/03/2001 REALITY NET SOLUTIONS LIMITED
And you were correct this is the address as listed for GU in the FSA register
Basic details for:
406512 - Shop Direct Group Limited
Current status: Appointed Representative - Former Effective Date: 14/01/2005 Tied Agent:
Undertakes Insurance Mediation: Y
Contact(s) responsible for insurance mediation: Mr John Sharkey
Hope this helps in you claim.
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.
has anyone had any succes in reclaiming PPI back from them. At the time I used tis catologue I was in dire financial straits and never read anything properley. I have recently got paperwork out to start my claim for the charges and was horrified to see how much insurance I was paying. No wonder I was not getting anywhere clearing the balance.
Hi
I have been trying to get my ppi back from Great Universal. Sent them several letters, including a copy of DWP entitlement to Carers Allowance at the time PPI was applied, but they turned me down flat everytime. They are a tough bunch to crack. They are a member of Shop Direct now.
In their final response they said that I couldnt go to the fos as they werent regulated at the time the insurance was added (I mean sold?!). Went to FOS anyway and they took my case. Still waiting to hear, they are very busy so it takes time.
I dont intend giving up until I have a full refund.
Thanks AA I have sent them a prem. letter then will go to FSA I am trying to get my charges back from them and they have ignored my letter altogether so I have handed claim over to fos I know it will take a long time but they are not above the law.
Thank you msowing for your interest and good luck with your claim
This is the result of a FSA register search on Great Universal...
Littlewoods Home Shopping Ltd L70 1AB Abound, Additions, Choice, Choice 4 You, Great Universal, Great Universal Essentials... Appointed Representative - Former Shop Direct Group Limited M60 6EQ Abound, Additions Direct, Choice, Choice For You, Great Universal Essentials, Great Universal Stores... Appointed Representative - Former Shop Direct Group Ltd M60 6EQ Gus Home Shopping LimitedChoice, Family Album, Fashion Extra, Great Universal, Gus Home Shopping, John England... Introducer A.R. - Former Shop Direct Home Shopping Ltd L70 1AB Littlewoods Home Shopping Limited, Littlewoods Shop Direct Home Shopping...Abound, Additions, Choice, Choice For You, Great Universal, Great Universal Essentials... Introducer A.R.
This is the FSA register website to enable you to do your own searches...
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.
thank you once again for al your help, I will keep you informed of any progress.
Do not let the issue fade away. Keep up the pressure, Post when you have to and stay focused on the fact you want you cash back
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.
You heard anything regarding your PPI claim from Great Universal?
Im gutted!!! fos turned me down they wont look at the claim because it was before 2003 [I have waited over 6 months for their decision]. So I guess Great Universal win and get to keep my £800+.
Sorry to hear your unfair loss against Great Universal. What is the time limit for PPI mis-selling?
I wrote to them beginning of November asking for a list of all insurance charges (account cover plus) added to my account because I didn't know the dates they were charged to my account - which I needed for my prelimanary letter.
Not got anything back yet (although my cheque was cashed 30th Nov).
I have only just finished paying the account off but it was once a very high amount & I suspect the account cover plus was not helping.
Did you send your correspandence to: -
THE GREAT UNIVERSAL STORES LIMITED
LANDMARK HOUSE EXPERIAN WAY
NG2 BUSINESS PARK
NOTTINGHAM
UNITED KINGDOM
NG80 1ZZ
Sorry to hear your unfair loss against Great Universal. What is the time limit for PPI mis-selling?
I wrote to them beginning of November asking for a list of all insurance charges (account cover plus) added to my account because I didn't know the dates they were charged to my account - which I needed for my prelimanary letter.
Not got anything back yet (although my cheque was cashed 30th Nov).
I have only just finished paying the account off but it was once a very high amount & I suspect the account cover plus was not helping.
Did you send your correspandence to: -
THE GREAT UNIVERSAL STORES LIMITED LANDMARK HOUSE EXPERIAN WAY NG2 BUSINESS PARK NOTTINGHAM UNITED KINGDOM NG80 1ZZ
Any thoughts/comments appreciated. Cheers
Hi Fletch
Did you send SAR? If so they have 40 days to reply [thats from time they received request not from when they cashed cheque. Did yoy send it Recorded Delivery?] I think its time to report them to the Information Commisions Office {I think thats where you complain about non compliance]. I think you also need to send Great Universal a reminder letter.
I dont think there is a time limit on when you can reclaim PPI although if it was sold before 2003 fos wont look at it as I have found out. However the FOS have now said that they are looking into the underwriters of the insurance so maybe all is not lost yet and I will be taking them to small claims court if the underwriters say no also.
BTW I wrote to Aintree Innovation Centre,Liverpool not Nottingham
Hi Msowing, many thanks for your quick reply. I sent my letter standard 1st class and it read: -
"I am writing to request a fully comprehensive list of all the insurance charges added to my account with Great Universal. If you are unable to provide this data, I will accept copies of my statements. I understand that statements on their own are not covered by the Data Protection Act, yet I’m not requesting the statements per se, but the charges, which I’m entitled to.
I look forward to your response within 40 days, as is obliged under the Data Protection Act 1998. If not I shall seek remedy from the Information Commissioner."
So I have sent a chaser today & will also send a copy to the Liverpool address - I think it was around 2003 so will be interested to find out exactly when it was.
Will keep you posted as & when I hear any further developments and all the best with fos or small claims court.
Cheers!
great universal PPI
has anyone had any succes in reclaiming PPI
back from them. At the time I used tis catologue I was in dire financial straits and never read anything properley. I have recently got paperwork out to start my claim for the charges and was horrified to see how much insurance I was paying. No wonder I was not getting anywhere clearing the balance.
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Originally Posted by hilaryfrances
