Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
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    Default great universal PPI

    has anyone had any succes in reclaiming PPIicon 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.


  2. #2
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    Default Re: great universal PPI

    cough


  3. #3
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    Default Re: great universal PPI

    Quote Originally Posted by hilaryfrances View Post
    cough
    I have been searching the site for GU info.

    Sorry unable to find any links. It seems you have PPI issues on a catalogue seller. Do you have the consumer crediticon 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-soldicon 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

    1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
    Post 290 from
    ***RBS PPI Claim Long fight but, WON***

    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.
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  4. #4
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    Default Re: great universal PPI

    thank you , I will look when I get home, I am a hoader so I think I will have the documents still


  5. #5
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    Default Re: great universal PPI

    I think Great Universal is part of the Shop Direct Group


  6. #6
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    Default Re: great universal PPI

    From companies house

    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 change Previous 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

    Registered under Money Laundering Regulations:

    Address: 19th Floor
    Arndale House
    Manchester
    Lancashire
    M60 6EQ
    Phone: 44 0161 615 1615
    Fax: 44 0161 636 7478
    Email:
    Website: www.shopdg.com



    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

    1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
    Post 290 from
    ***RBS PPI Claim Long fight but, WON***

    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.
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  7. #7
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    Default Re: great universal PPI

    thank you very much, ooo I love this site and the peeps on it.

    Payback time


  8. #8
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    Default Re: great universal PPI

    This information was a help then

    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

    1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
    Post 290 from
    ***RBS PPI Claim Long fight but, WON***

    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.
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  9. #9
    Basic Account Holder msowing Novitiate

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    Default Re: great universal PPI

    Quote Originally Posted by hilaryfrances View Post
    has anyone had any succes in reclaiming PPIicon 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 fosicon 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.

    Good Luck with your claim.


  10. #10
    Basic Account Holder hilaryfrances Informative hilaryfrances Informative hilaryfrances Informative hilaryfrances Informative hilaryfrances's Avatar

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    Default Re: great universal PPI

    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 fosicon I know it will take a long time but they are not above the law.

    Thank you msowing for your interesticon and good luck with your claim


  11. #11
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    Default Re: great universal PPI

    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...

    http://www.fsa.gov.uk/register/firmSearchForm.do

    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

    1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
    Post 290 from
    ***RBS PPI Claim Long fight but, WON***

    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.
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  12. #12
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    Default Re: great universal PPI

    thank you once again for al your help, I will keep you informed of any progress.


  13. #13
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    Default Re: great universal PPI

    Quote Originally Posted by hilaryfrances View Post
    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

    1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
    Post 290 from
    ***RBS PPI Claim Long fight but, WON***

    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.
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  14. #14
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    Default Re: great universal PPI

    dont worry AA "cash bacK are my two favoutrite words!


  15. #15
    Basic Account Holder msowing Novitiate

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    Default Re: great universal PPI

    Hi hilaryfrances.

    You heard anything regarding your PPIicon claim from Great Universal?

    Im gutted!!! fosicon 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+.

    Hope yours is going better than mine


  16. #16
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    Default Re: great universal PPI

    Hi MSOWING,

    Sorry to hear your unfair loss against Great Universal. What is the time limit for PPI mis-sellingicon?

    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


  17. #17
    Basic Account Holder msowing Novitiate

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    Default Re: great universal PPI

    Quote Originally Posted by Fletch2006 View Post
    Hi MSOWING,

    Sorry to hear your unfair loss against Great Universal. What is the time limit for PPI mis-sellingicon?

    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 SARicon? 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 fosicon 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 claimsicon court if the underwriters say no also.
    BTW I wrote to Aintree Innovation Centre,Liverpool not Nottingham


  18. #18
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    Default Re: great universal PPI

    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 fosicon or small claimsicon court.
    Cheers!



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