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Found 9 results

  1. Hi, Not sure if anyone can help, I took 2 secured loans out within a couple of months of each other in 2006/2007, the loans were with iGroup, via Easy Loans (which I understand is or was a broker) and both were for over £5k each. Both loans were settled within a few months, the PPI was added up front (if that makes sense), when I cleared the loans I paid all of the PPI too even though, as I understood it, the loans were for 5 years and the policies too.. I find it hard to believe that I needed to pay the PPI for 5 years x 2 even though the money from the actual loans w
  2. Hi I took out a secured loan in 2003 through a broker called freedom finance who are no longer trading , PPI was added to the loan . I missed a couple of payments when the acct was passed to GE money , but always made up the missed payments over 2 months by paying extra on the contractual payments . The charges from the arrears charges have accrued interest and now stand at £1700. The loan was passed to Elderbridge last year and I have continued to pay the CMI , and when I could made a extra payment to reduce the arrears. I managed to dig out the contract and was
  3. Hi, Hope I'm posting this in the correct area. I have the misfortune to have a mortgage with what is now called GeMoney formerly Igroup, taken out in 2000 (15 year term) when I was self employed and arranged through a so called independent broker Capital Credit, who actually appear to have direct connections with Igroup/GeMoney. Over the period of the mortgage I have experienced many difficulties in maintaining the repayments, although fortunately for the last 5/6 years have been keeping up with the payments including extra towards the arrears ( which will pay these of
  4. Hello, Been a while! I'm trying to arrange a PPI refund on my load with GE Money. I've sent them a form detailing my complaint - and they've come back to me today, saying- They've looked into my unfair PPI claim They've looked into the commission paid to by the insurer to the lender. They're not going to uphold my complaint, because, according to the copy of the agreement shown - the loan was dealt with by a broker 'The Personal Loan Express' it was taken out in September 2003. all the boxes were typed in, and all the boxes ticked for
  5. Hi Guys - received a letter from Loans.co.uk saying that I had been possibly mis sold a ppi policy on my mortgage - originally through igroup and then gemoney. I completed the form returned it and have been told that it has been upheld and that they are calculating the settlement. I raked through some old documentation and fund the 5 year term policy which was paid in a single premium back in 2006- now I am still paying my mortgage still got 10 years to run- I can remember that it seemed my mortgage was a lot higher in the first couple of years but I cant remember any specific ppi repayment be
  6. 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 fi
  7. Hi, I'll try and keep this as short as possible. I have been contacted by DMS attempting to retrieve a shortfall on a house sale from 21st June 2007 (that's right, 7 years ago). The amount is £7,957. I emailed them back with the standard wording "I do not accept liability, please send me a breakdown, this debt is 7 years old therefore you have taken too long to contact me and I don't have to pay", etc. They sent me a statement & breakdown. I borrowed £90k, after Interest (it was an interest only Mortgage), DD Recall Charges, Admin Fees, Additional Interest, Defaul
  8. 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 o
  9. Hi hope someone can help me. We had a loan with future which was taken out in Nov 2003 and the broker was Purple Loans which is now part of GE Money. We wrote to Future before Christmas with regard to mis sold PPI they got back to us and told us it was Purple we had to deal with as they made us take the PPI we wrote to the address then we had to write to GE as they now own Purple. GE have replied to say as it was before 2005 and as more than 3yrs has passed we should have had cause to complain also since it was more than 6yrs they or the FOS are unable to help or to do any more and thi
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