that is actually wrong. If PPI was mis-sold then its a refund of premiums with 8% interest. If not mis-sold, like any other insurance you are not entitled to it back.

Insurance is not a policy to take out and gain premiums back years later.

I am aware that "Insurance is not a policy to take out and gain premiums back years later". So which lender do you work for?

2 things.

 

1,Yes they can time bar, if you dont complain within 6 years of the mis-sale or 3 year from knowing that there is something wrong then its time-barred.

2, It does not fall under FOS jurisdication,you have already been told this. FOS cant help you. The FLA (Financial Leasing Assocation) may be able to help you.

2, i have not been told this on the forum. You are of course saying that what w are told by ge money is to be taken without question.

Letter back from ge money today stating as far as they are concerned all points raised in the 2004 complaints are not justified so they have closed the complaint do i now escalate to the fos for this one ?

Thank you for the replys, i wil contact fos this afternoon

i sent off the fso forms to ge money which became 8 weeks old on the 23/12, i received a letter back after the 8 weeks saying they had closed the complaint, i called and asked why and it transpires they did it in error.

It was brought to my attention that as i put two claims (one for 2002 and one for 2004) only the last on would be looked at and i will need to send another complaint for the 2002 claim. The outcome will be that it is time barred.

I understand that i need to go to the FLA rather than the FSO as the claim was 2004.

any pointers in the right direction would be much appreciated.

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So assuming the 6 year sb rule applies, would this be from the date of last payment or from when the bank decided to default with the cra? The reason for the question is i had a joint bank account, i had the basic hole in the wall card and my ex had the multifunction cheque card, when we split she had a spend up before leaving the country and me with the bank to deal with any way there is nearly 18 months discrepency between date of last payment and default notice.

i have just got reply from equifax regarding showing defaults as credit card on my file ...

"Please can you advise the consumer Cabot financial are the legal owners of his Vanquis credit card. Please advise to contact Mackenzie Hall (our external agent) that is dealing with this account on our behalf. "

My question. Are they the legal owners of the card or the debt?

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do you have any conact at the ico who is dealing with this?

i have just had a search by mac hall removed, as it was only one search i doubt they will go the compo route?

i emailed elizabeth roberts compliance department, at [email protected] she wrote back appologised and got the searches removed

i have a dca searched table one four times since july, have written to them and also equifax is looking into it

machall removed the table 1 searches without any problems after i wrote to them.

i have also asked equifax to look into dca's showing as credit cards on the file.

I hope you get yours sorted

Have received letter from machall today stating they have instructed equifax to remove the table 1 search which has been done.

capquest have added another search which brings the total to 4 since mid july **** bags

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subbing with interest

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Ok I am starting the reclaim procedure for my wife. the first loan was in 2002 with first national bank in 2005 she got another loan but GE money had taken over first national by then so it was through them. with this loan the first loan was settled, we have no details of the first loan but i am SAR to G E in the morning.

Is this the correct way to go about getting the info for the first loan?

as for the G E loan it was taken out over phone wifes job pays full pay sick loan was for 159 months also wife is sure this was not discussed as she would not have taken ppi.

I have completed stage one letter a la fos ans stated loan from 2002 as this will get the complaint noted whilst we await the SAR.

Any helpfull comment appreciated

rnp1966

Many Thanks Huggys Boss

This is taken from another thread on this forum

"Table 1: Credit Searches

The following table shows searches undertaken in connection with credit applications."

As far as i am aware table 1 is for searches relating to credit applications.

Credit checks of this nature also require consent.

as it says in heading, i moved about a year ago owing about 800 rent due to job loss. i signed up to equafax this morning and have found a search listed as above on my file. Is this allowed?

Thank you will have a search for template letter otherwise will draft one.

Again this is a fantastic site and thakyou to all who put themselves out to help cagers

yes it's amazing i have also found out this morning that i have "outstanding debt" searches in table 1. Well done equifax