Hi, just a quick note to say I haven't forgotten about this thread, I will be back in the new year to try and move forward with it.

In the meantime I hope you have all had a good Christmas and have a happy new year.

Well it's been a while, been moving amongst other things, but now I would like to revisit reclaiming the PPI.

Just to recap I went to the FOS with the PPI complaint and they rejected it.

I now have funds to take it to court and see what happens and would like to hear suggestions about how best to start, what with it being over six months since I did not accept the Ombudsman's decision.

Do I write to Creation informing them that I am going to court, or just go straight to Moneyclaim without informing them.

Or should I just drop the whole thing.

I would also like to pursue Egg/Barclaycard through MCOL with regards to credit card charges, again do I inform them that I am starting court proceedings as it has been a while since their final decision.

Or again do I start MCOL proceedings anyway.

Any thoughts and suggestions will be greatly appreciated.

For your charges claims, start new threads for each in the appropriate bank forum.

For the PPI claim you would start by quantifying the claim amount and then sending a "Letter Before Action" and if no response or they refuse to pay then you issue in court. As the claimant the onus would be on you to prove mis-selling (the civil burden on the balance of probability).

You would do well to do some reading around as to how to take these through to a conclusion.

Thanks ims21, I will get all the necessary info together and use the spreadsheet to find the total.

With regards to proving that I was mis-sold I would be able to provide a verbal account of the sale and why it was mis-sold. Will this be O.K?

You will need to get to gather as much information as you can about the sale.

For example it would be good of you have a copy of the demands and needs statement, notes of any converstaions in the sales meeting etc.

The tighter you can make the claim the better.

Without reading all of the thread, have you ever done a SAR to the lender?

What were the reasons given by fos for not upholding your claim?

I have the demands and needs statement and can fully remember the sale of the PPI policy, especially the "it's free so you may as well have it"

The Ombudsman basically said that this could have happened, amongst other points of the sale, but could not take my word agaunst Creations.

I got a reply back from the serious fraud office this morning telling me that the ppi I was miss sold to me by creatation is NOT in their remit for investigation and for me to persure creation via my local police...................another quango and waste of space the SFO.............thats "serious fraud office" folks the fact that they have fleeced thousands of us is NOT enough for the SFO

To re-hash an old thread I now have the finances to start the small claims procedure.

The problem is, if this ever did get to court it would be a case of my word against theirs.

I KNOW that I was told at the point of sale that when the PPI was discussed, the salesman said "It's free, you might as well have it"

Also that I was not asked a single question about my work and benefits situation, just given a form to sign.

The Ombudsman at the FOS said he could not be sure of my statement of events because Creation gave me all the required literature.

I do also KNOW that if I was told the full details at the sale, I would have said straight away, thanks but no thanks

I have never took out PPI on any previous loans or cards.

Thoughts welcome

Anyone?

My thoughts here are that if I were to proceed I want to make sure I have a good chance of sucess.

I won a credit card charges claim through MCOL against Barclaycard after the FOS rejected it.

Though Barclaycard said it was to save on costs ;-)

The claim for PPI is around £500.

Hi - I wish to make a claim for missold PPI on my Brantano store card account - it is with Creation Finance - I have no idea how to proceed or how to make contact - can anyone please help me ?

Then go start a new thread

Of your own please

Dx