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Posts posted by mystirio

  1. update from FOS

    they have sent me a letter stating that they have had so many people who are quoting the 3 year period that they are looking at cases to see if

    the arguments are justified in following the complaint


    its just a matter of waiting

    however if they do pass that they must pay then this will open the flood gate for so many people who have been treated wrongly


  2. well iI was wondering what was happening with this claim and was in 2 minds to ask county court for update but said leave it as it is


    However today had recieved a letter from capquest regarding claim


    noted that they said that the copy of assigment was enclosed I cant find it in the envelope


    I know from experience what the answer will be (Let Them stew)


    enclosed copy of letter from Cappie

    capquest doc 1 001pdf.pdf

  3. Reply from fos

    provi wont let fos look at the loans as it is over 6 years and they dont keep documents for longer than 6 years


    however, told fos that provi have supplied me with accounts which span for 9 years

    and that also they shouldn't need to talk to their agent regarding my credit search as they should have done this themselves


    fos came back stating that they will look at the paperwork again and contact provi


    Might not get me anything but its another official complaint against provi


    when they wont want anymore

  4. from FOS



    As the firm will not accept a complaint from you on this matter then the Financial Ombudsman Service will not have jurisdiction to take a complaint from you.


    That would leave you with seeking out your own independent legal advice on this matter.



    The Citizens Advice Bureau provide some legal guidance and may be able to provide you with some guidance on your next steps legally.


    can Andy englighten us on this one???

  5. looks like they are trying the ppi miss sold one but this is neither

    this is irresponsible lending


    I have e mail FOS saying this was irresponsible lending and have stated that they will not consider it and I think FOS are interested in this claim

    due to the ongoing issue with provi

    we will wait to see what FOS comes up with


    thanks DX


    Thank you for your email to the Financial Conduct Authority (FCA).


    I understand that you are looking to make a complaint to Provident about irresponsible lending and the firm have rejected this on the basis that it is more than six years ago. You want to understand if the six years is from inception or six years after the last payment was made.


    FCA Rules

    DISP 1.8 Complaints time barring rule

    If a respondent receives a complaint which is outside the time limits for referral to the Financial Ombudsman Service it may reject the complaint without considering the merits, but must explain this to the complainant in a final response in accordance with DISP 1.6.2R.


    The complaints handling rules set time limits for consumers to refer complaints to the Ombudsman. After these time limits have expired, the Ombudsman will need the firms consent to look into a complaint.


    Generally, these time limits are:


    • six months from the business sending the consumer a final response; and
    • six years from the event the consumer is complaining about (or three years from when the consumer knew, or could reasonably have known, they had cause to complaint).

    Accordingly the rules do not specify whether the period begins from inception or from the date of the last payment as you are asking, rather from when you knew or could have reasonably known. If you are complaining about mis-selling then the mis-selling would have occurred at the beginning of the term of the contract and not at the date of the last payment.


    I hope this information has been helpful.

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