I took out a loan in Sept 2006 for 5 years. Norton Finance were the brokers involved.

PPI was paid as a single premium at the start of the loan. The sum being £3700, together with interest paid to the finance company pans out at around £8000.

Naturally Norton Finance claim in a letter to me it was not mis sold, although a "corruption of computer files" has ment they cannot produce a recording of the telephone sale.

I have asked for any evidence they have of any signature they may have from me with regard to me agreeing the PPI but they have not responded.

I am in the process of complaining to the Financial ombudsman, but in the meantime will be issuing a County Court Summons.

Any ideas on how I should tackle this.

I am not legally qualified but do have some experience of issuing summons.

Would appreciate any feedback of others that have had complaints with Norton Finance

Hi Welcome to CAG,

Why do you think the PPI

was missold?

You as the claimant will need

to prove the msselling.

Thanks for that. Among other things my reasoning is as follows.

1. They did not make it clear that the policy had a cooling off period.

2. They did not make it clear that the policy was optional.

3. They implied that to take out a policy would help with my application.

4. They did not tell me about significant exclusions within the policy.

5. They did not make it clear that I would have to pay for the insurance up front in a single payment.

6. They did not make it clear that the insurance cost would be added to the loan and I would pay interest on it.

7. I was lead to believe the PPI was for me and my wife as the loan was in joint names, but upon only recently checking the policy I see it is only in my name.

7. I tried to cancel the policy about 6 weeks after the policystarted and before the first payment was made and was told that I had missed the cooling off period and no refund was due not even a proportion of it.

There are few more subtle aspects which will be brought up in court if necessary.

Cheers

Is this loan now paid off and closed?

I would be unsure of you chances

given the time scale of over 6 years

since inception of the loan and PPI,

I'll see if there is anyone who can give

you more informatio.

Is this loan now paid off and closed?

I would be unsure of you chances

given the time scale of over 6 years

since inception of the loan and PPI,

I'll see if there is anyone who can give

you more informatio.

The PPI started in Sept 2006, its 5 years thankfully.

Yes the loan completed in December last year.

Hi

Ok so this policy has been mis-sold and the reasons you have given are more than adequate.

You have passed the case to fos given that Norton have, I assume, given you their final response.

But you want to short circuit the fos route and go to court to get your money back rather than wait an age for fos to deal with it.

Is that pretty much it?

ims

Hi

 

Ok so this policy has been mis-sold and the reasons you have given are more than adequate.

 

You have passed the case to fos given that Norton have, I assume, given you their final response.

 

But you want to short circuit the fos route and go to court to get your money back rather than wait an age for fos to deal with it.

 

Is that pretty much it?

 

 

 

ims

Perfectly interpreted. Thanks for looking at it.

Ok

In the ppi stickies you will find some information about ppi wins in court which would be worthwhile reading.

Have you done any calculations s to the amount you are going to claim?

It might also be an idea to have a read of No.1 in my signature.

Again in the ppi stcickies you will find some links to PoCs for ppi which you should have a look at because your PoC will depend on the mis-selling reasons and you will need to one or some to your own needs. There is no generic PoC template because each case is different.

Also have a look at No.4 in my signature about interest you can claim

Regards

ims

pardon my ignorance but what is P o C

Oh sorry

Particulars of Claim....they will be included with your N1 form. You should spend some time on them as a good PoC will go a long way.

ims

Norton Finance PPI

Norton Finance‎

Reclaiming PPI from Norton/Endeavour‎

Swift Cover/Norton Finance PPI Reclaim‎

Hi,ANYBODY CLAIMING PPI FROM NORTON FINANCE‎

I am in the process of trying to recover PPI from Norton Finance.

I am looking for those who are or have been in a similar situation.

Two threads merged, Figaro123 please stick to one thread regarding this issue.

In the search bar ( top right of the page under The Consumer Forums) put in Norton Finance PPI, this will throw up threads which will be of interest to you.

Regards.

Scott.

Keeping you updated. I have now sent the relevant documentation the the FOS

hi,

i am in the process of claimin my ppi bk from norton, they have gone in to administration yesterday the 8th feb all claims are no on hold!

Thanks for that , what happens now

Thanks for that I am so ****ed off, what happens now

Has 8 weeks passed since you started your claim with Norton ? If so you can now take it to the FOS. Whether or not you have received a final response. Be prepared for a long wait to get an adjudication .

If successful and Norton PPI not able to pay then a claim can be made to the Financial Services Compensation Scheme. ( bit like ABTA/ATOL if a travel company goes burst ). Our 8 weeks was up on 4th Feb no final response from Norton so FOS claim has started. Really impressed with FOS and their advice and understanding.

You may be contacted directly by the Administrators

of Norton.

subbing on this one!

I have now made a claim with the fscs. They have written to the lender Blemain Finance. However Blemain Finance will not answer their letters.

Delotties who act on behalf of the FSCS have informed me that unless they get this information from Blemain they will not pay compensation.

This seems so unfair, what can I do

I requested the underwriting sheet from Blemain Finance as I know there has been hidden commission paid to a broker. Blemain have tried to fob me off with something I suspect is not the underwriting sheet. What does an underwriting sheet look like, and what should I do now.

Thanks

Just to keep you updated.

I have sued Blemain Finance for not returning the PPI when I requested a refund. There is a case management hearing on the 23rd September 2013

Any news?

I requested the underwriting sheet from Blemain Finance as I know there has been hidden commission paid to a broker. Blemain have tried to fob me off with something I suspect is not the underwriting sheet. What does an underwriting sheet look like, and what should I do now.

 

Thanks

bump