A few years ago my husband applied for PPI refund from a loan with swift advance, although he was definitely mis-sold it his complaint was rejected eventually via the Ombudsman as nobody wanted to take responsibilty and the correct file(s) couldn't be found with the appropriate details,he feels the ombudsman let him down big time but heyho, who is he?

He recently received a letter (I couldn't upload it for some reason)stating "In line with the Financial Conduct Authority policy statement PS17/3 issued in March 2017, you can now make a further complaint against Swift Advances PLC (swift) under s.140A of the Consumer Credit Act 1974, in relation to its failure to disclose commissions associated with the PPI policy which was sold to you"

We are not entirely sure how to pursue this, any advice, links, info would be hugely appreciated. Thankyou. Dawn

It would certainly help if you uploaded the letter in PDF format. You don't say who the letter is from.

Section 140 A of the Consumer Credit Act is about the exploitation of and unfair relationship by the dominant partner

140AUnfair relationships between creditors and debtors

 

(1)The court may make an order under section 140B in connection with a credit agreement if it determines that the relationship between the creditor and the debtor arising out of the agreement (or the agreement taken with any related agreement) is unfair to the debtor because of one or more of the following—

(a)any of the terms of the agreement or of any related agreement;

(b)the way in which the creditor has exercised or enforced any of his rights under the agreement or any related agreement;

©any other thing done (or not done) by, or on behalf of, the creditor (either before or after the making of the agreement or any related agreement).

Basically it seems to suggest that there was a failure by the seller of the PPI to disclose to you that they were earning a commission on the sale and would therefore not be impartial. This will be a basis for saying that the PPI has been mis-sold

yep ref the plevin case.

he could be quid's in here.

as this is swift its quite interesting

though I suspect its dial4 as they were the brokers and pocketed the commission

Thanks for the reply and my late.late reply. I am absolutely useless with computers and I have no idea how to upload in pdf, sorry.

This was his issue last time.

The letter was from Dial 4 a loan but stating to contact Swift regarding this issue and gave him Swifts address!

a feeling he will be bouncing around everyone again!

Sorry to both of you for the late reply,

I was confused as to how to get back to my thread for replies!!!

Doesn't take much.

Appreciate the answers though.

read upload

but you have replied to them ?

dx

No not as yet regarding this Plevin commission claim,

I wondered if there was a certain way I should reply/claim and, although D4AL said to send the claim to Swift

I wondered if anyone had any other advice on who is culpable. Thanks

plevin claim against the creditor

let them sort it out.

Thankyou so much x