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Picture Finance v Unhappychappy

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Please help folks.

I wrote to complain about mis sold PPI. There response was:-


(Complaint in blue, their answer in red)


1. Terms and conditions not fully explained.

You received full terms and conditions, key features, and were happy to proceed

2. Was not told the cost of the cover.

Our consultants are fully trained and advised you at inception

3. Was not told about the open market option.

It is not our responsibility to inform you of other options available.

4. Was not aware that PPI was included on loan, and a single premium only covering me for 5 years.

I was aware of the cover being added


This is their final response.

Whats next? I threatened the FOS before this letter.

Do they tape phone calls? I dont really want to go to court.



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Have you sent an SAR, this should give you all the info on the account including emails and telephone calls, there will be a template letter in the Stickys and you have to enclose a £10 postal order and they have 40 calendar days in which to reply. Once you have the info you could then say where is the proof that I was informed etc.

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From our experience Picture are less than helpful when you complain so I am not surprised you had a negative response from them.


If this is their final response then I would forward your complaint to the FOS and let them deal with it. The SAR would probably be helpful though so you can base your complaint around what they did/did not say.


Our complaint is still with the FOS and even though the first adjudicator there upheld our complaint, Picture refused to accept her decision and so the actual ombudsman is now involved.


Be prepared for it to take a while though as the FOS are swamped with claims.


Good luck.

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