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Took a secured loan + ppi with First National bank in 1991. - Paid loan off in 1998. I have all the paperwork. Made a ppi claim in 2014 GE Money (who took over First National Bank). GE Money said they had no records, so no case. Took complaint to Ombudsman. Eventually the Ombudsman said they cannot enforce the claim as loans only became regulated in 2007. Is this correct? Surely miss-selling is miss-selling? Ombudsman said ‘first national bank’ were not on our ‘voluntary’ list at the time the loan was taken out. Ombudsman have suggested i try and find out who the insurance company were that underwrote my ppi policy? any ideas anyone?
Hi all, Having no paperwork (but have account number and period of loan), First National claim they have no record of this account. Initially submitted a letter for copies of the loan agreement and t+c's - no response; so rang them - they have no record. The loan was originally taken out with GE. Overall we have the intention to seek a claim for PPI. I will issue a SAR, hoping they should respond to this. Due to fact it was 2002 when we took out this loan, am I right in saying that these accounts are just archived and not destroyed? thanks
I'll admit, this might be a bit cheeky, but I'd like to know if anyone has any details on how efficiently First National Motor keeps their records. In 2003/4 I took out a car loan with them. In 2007, due to difficult personal circumstances, I couldn't keep the payments, and ended up in court. Since then, apart from a few letters from Banner Jones solicitors, I've heard nothing, so haven't been too stressed by it, however, I now could do with a different mortgage, and have 1yr, 51 weeks to being ccj clear. I'm tempted to write to them and ask for a CCA, but am a bit concerned about the beehive principle! Is it better to wait 2 years, rather than have them round demanding 4 grand I wonder? Does anyone have experience of them and their records? My plan is, tell me if this will work, to have the debt rendered unenforcable, then apply to remove the CCJ? Paul
Claiment is LINK finacial amount is correct but particulars state that we entered into an agreement with GE Money in 2000, The actual Loan was taken out with First National in 2000. Until 2003 First National had no conection with GE money. The loan also included a ppi payment added to the initial balance. I will have the means to settle this debt in September and had already written to LINK to tell them this. My letter and the claim crossed in the post. Do I admit the claim and ask for time to pay or do I fight the claim on the grounds that it does not identify the debt to be claimed upon and then pay as planned. Because of my job I would rather avoid a ccj but will not have the means to settle until after the claim is heard. Advice please, I have 10 days left to acknowlege the claim.