Hi Tazgully, Unfortunately I did not get anywhere with my claim. The PPI was sold by an insurance company who no longer exist. It took up a lot of my time and I had other matters to sort out. Some members on this site were helpful whilst others seem less so as I am sure you realise. To be honest with you I found money saving expert a very good site. The more sites you check the more info you will fin. Good luck.

This was an unregulated re-mortgage of approx £45000 in 2002. Does this make a difference? Any thoughts appreciated.

Thanks for you prompt response - again!

Further to the above. I have now found out that the PPI was arranged through HFS (taken over by Capital One Home Owner Loans Ltd) who no longer trade. I have an Igroup form signed by me to say that I do not require PPI so I do not understand or remember why I have it through HFS unless they insisted I have it in order to get the loan. I have the underwriting sheet which shows that Igroup paid a £1000 broker fee. Do I still have a claim against GE Money (Igroup) or what should I do? The underwriting sheet dated May 2002 states 'unregulated'. Does that make a difference to anything? Thanks.

I took out a loan in 2002. The broker was HFS Loans Ltd. The lender was Igroup Mortgages Ltd (now GE Money). I subsequently got PPI cover through MMS Ltd which I now realise I did not need. I have sent a claim to Igroup who have replied saying they have no record of PPI being associated with this account. They say that whilst GE Money provided the finance for the loan, they did not sell it to me. 'This was taken out through Capital One Home Owner Loans Ltd' who they state are no longer trading and that I would need to identify and contact the company administrators to make any claim. I have obtained all the paperwork from GE Money and there is no mention of Capital One Home Owner Loans Ltd. Who should I claim from? I am totally confused. Any advice would be greatfully received. Thanks.

It is not a case of 'tap us and run'. This site is an informative and supportive site, and as such is a great help. My point is that I have read many threads which are very interesting but are not finalised and so we do not know the final result. Do people just give up? I appreciate that by the same token many are finalised. I have asked several questions on here and opened threads but frankly I have had little response to quite basic questions. I am sure as a moderator/administrator you know how many questions I have asked. I cannnot see the point in getting in to a slanging match with you. I asked (once again) a perfectly reasonable question which for some reason you seem to take offence at.

Hi - I don't have an issue as such but merely interested as I have sent a SAR off to Co-op regarding an old credit card going back to the 1990's but have not received a reply as yet (still time yet though as 40 days not up). The only thing I would say is that there are so many threads on this excellent site that remain incomplete or unconcluded which is a shame.

Any update please??????

Igroup (GE Money)

I have recently receieved documents as a result of a SAR. Amongst the documents I have the Underwriting Sheet. On the form in a box marked '% Equity' box are the abbreviations OMV, ERRP and the term 'Net of PPP'. They appear as follows: 85.00 OMV 84.55 ERRP 89.42 Net of PPP 84.55 Can anyone please explain (in fairly simple language) what the abbreviations and the term 'Net of PPP' mean please? I am particularly interested in the Net of PPP but any help would be appreciated. Thank you.

Hi - Do you happen to have any update on this at all please?

Thanks for the reply. Currently awaiting a SARs from them - time is nearly up!

Thanks very much for the replies. It gives me something to study and learn about. Thanks again.

Hi- Have you any update on this please? Thanks.

Hi - Did you get it within the 40 day limit ? Thanks.