Hi newbie here,
Hope somebody can help with my plight,
In November 2005 we took out a loan through freedom finance for 15k, for debt consolodation,
Everything been running fine,
September 2011 an official looking letter arrived out of the blue from the FSCS,
( well a company acting on their behalf Deloitte LLp)
The letter went on to say we believe you took out ppi with wilmslow financial services plc formely freedom finance.
The more I read the letter the more I convinced myself that it had been sent to us in error,
as we knew nothing of ever having PPI on the loan, the letter was put in the drawer and dismissed.
in November we had a financial advisor visit us to see about getting cheaper morgage deal,
out of curiosty I showed the man this letter, and he was kind enough to shed light on the situation and also helped me fill in the paperwork,
and we then sent it off,
after a number of months of repeatedly sending forms and phonecalls we had a letter from Deloittes ( acting on behalf of FSCS)
explaining that their investigations had shown that bespoke finance had arranged the ppi and as they are in gibralter it was therefore out of there jurastiction,
they'd done all they could do.
In April I decided to try again on my own, downloaded forms from internet, filled in but this time sent them to ge money ,
Backtracking a little here during the deloitte saga we rang ge money and asked them if we had had ppi on the loan and they said no,
but when they sent copies of the credit agreement out
it is written on there in black and white!!! Confusing!!
So back to the current, I sent forms off to GE money they replied saying there final answer was Yes they borrowed the extra money for the ppi
but they had nothing to do with the ppi it was arranged through bespoke,
and then gave me a booklet for the ombudsmen to whom I have just come off the fone to,
he said I need to find out who the underwriter was, advised ringing freedom!!!
all phone numbers no longer recognised..
.So now what can i do???