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Mis-sold PPI? Want your money back? use these links to help

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DO NOT BE PUT OFF BY THE LENGTH OF THIS POST THERE IS A LOT OF USEFUL INFORMATION TO BE GAINED

 

 

Links on repossession are here they may just help,

 

GMAC-RFC Limited fined £2.8million for unfair treatment of customers in arrears and repossessions and will pay up to £7.7m customer redress

 

This should gladden the heart

 

:wink: and this

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

 

 

FOS update on compensation issues on PPI claims. You can seek compensation on claims for mis-sold PPI Please see this link which contains other FOS links which you should also check out.

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi-update.pdf

This is a link within the above link and there are more to see

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/distress-and-inconvenience.htm

 

This is the latest from the FSA website

 

http://www.fsa.gov.uk/

 

Latest FSA information on PPI and the way forward

 

http://www.fsa.gov.uk/pubs/cp/cp09_23_newsletter.pdf

 

http://www.fsa.gov.uk/pubs/other/trade_associations_ppi.pdf

 

http://www.fsa.gov.uk/pages/Library/Communication/PR/2009/129.shtml

 

http://www.fsa.gov.uk/pubs/cp/cp09_23.pdf

 

 

The latest from Money made Clear the Financial Services Authority Website

 

http://www.moneymadeclear.fsa.gov.uk/news/product/ppi/payment_protection_insurance.html

Two more links on the Financial Services Authority instructing the financial industry to review rejected PPI claims.

 

FSA demands firms re-open 185,000 rejected PPI complaints - IFAonline

 

FSA unveils tough measures to protect PPI consumers

 

 

and more......http://www.ft.com/cms/s/2/4b7cafe6-acf6-11de-91dc-00144feabdc0.html

 

 

Posted up by citizenB and cerberusalert. Thank you

and on the same subject more links from Pompeyfaith

 

http://news.bbc.co.uk/1/hi/business/8280778.stm

 

http://www.fsa.gov.uk/pages/Library/...09/09_23.shtml

 

 

RBS BANK CHARGES TO BE CUT

 

FT.com / UK / Business - Overdraft charges halved by RBS

 

 

ANOTHER GREAT LINK RE THE COMPETITION COMMISSIONER AND THE RESPONSES BY THE BANKS - Link Courtesy Pompeyfaith

 

Competition Commission - Inquiry - Payment Protection Insurance (PPI)

 

ANOTHER TWO LINKS FROM POMPEYFAITH REF TO COMPLAINTS DATA.

complaints data

 

Complaints data This one I believe is a name and shame list as promised.

 

THIS ONE IS A REAL CORKER OF A RESULT FROM THE FOS FOR A CLAIM PRE 2005 - Link Courtesy Dipply

http://www.financialombudsman.com/pu...decision-C.pdf

PPIs, CCAs and Consumer Credit Act - Enforceability issues - Link Courtesy Bazaar.

http://www.stjameschambers.co.uk/PPI...an%20Banks.pdf

 

BE AWARE OF THIS JUST POSTED BY POMPEYFAITH......IMPORTANT READING....

FTAdviser - Whistleblower claims FOS Adjudicators risk rushing complaints

 

This link is on unauthorised overdraft charges and the test cast in the house of Lords

http://www.moneymadeclear.fsa.gov.uk/news/product/unauthorised_overdraft_charges_test_case.html

 

These links Courtesy Pompeyfaith

 

http://www.financial-ombudsman.org.u.../ar09/ar09.pdf

 

Financial Ombudsman Service and the European Convention on Human Rights

 

THIS IS PROBABLY THE RESULT OF SOMEONE TRYING TO STOP THE FOS UPHOLDING SO MANY PPI CLAIMS

 

This is Money article courtesy bach and angrycat **worth a read**

Banks wriggling out of paying payment protection insurance (PPI) claims | This is Money

 

 

This link Courtesy of cerberusalert

 

Banks to be named and shamed

The PPI loan sharks backed by the State | Mail Online

 

The latest news from a Financial Times article. PPI is to be banned from 2010..........

FT.com / Personal Finance - Curbs placed on UK payment insurance sales

 

PPI still mis-sold says which magazine..

BBC NEWS | Business | PPI still mis-sold, says Which?

 

This latest link Courtesy of Pompeyfaith.

 

A link to get access to medical records in the event you are claiming On pre existing medical conditions. This could be very useful to medical claimants

Access to health records, medical information - Guides - Information Commissioners Office

 

 

FOS details of some PPI claims and the rulings

issue 71 - complaints about payment protection insurance

 

BRITAINS MOST UNPOPULAR PRODUCT

Payment Protection Insurance Britain's 'most unpopular product'

 

Links that may help with your claim for Mis-sold PPI

Financial Ombudsman Service

 

http://www.financial-ombudsman.org.uk/publications/factsheets/payment-protection-insurance.pdf

 

More from the FOS the results show a majority for PPI Mis-selling. Have a read through this...

 

[/url]http://www.financial-ombudsman.org.uk/consumer/complaints.htm

 

 

From the ICO

Ensuring Personal Data is handled correctly - Data Protection Act

 

The Data Protection Act 1998

http://www.opsi.gov.uk/acts/acts1998/ukpga_19980029_en_1

 

FSA Link

http://www.fsa.gov.uk/

 

These links courtesy of Paintball and very useful to.

 

The FSA has outlined 6 outcomes which it aims to achieve:

Treating customers fairly

 

http://www.fsa.gov.uk/pubs/other/tcf_deadline.pdf

 

Finance and Leasing Authority (FLA) Codes of practice

FLA :: Consumer finance :: Consumer Codes of Practice

 

The FSA Register lets you see the status of companies and their subsidiaries

FSA Register

 

http://fsahandbook.info/FSA/html/handbook/BCOBS With thanks to Bankfodder for the updated link

 

THIS LINK IS IMPORTANT TO YOU ON RECLAIMING IT IS FROM 2001 FROM THE FOS

loan payment protection insurance and a quote from this link...

 

 

For the Information Commissioners office. (this is an option if the DSAR is not complied with)

http://www.ico.gov.uk/upload/documents/library/data_protection/introductory/subject_access_rights.pdf

 

Information Commissioner's Office - Information Commissioners Office

 

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/dp_how_to_complain_final.pdf

 

Complaints - Information Commissioners Office

 

ICO are having trouble dealing with tha massive amount of complaints so timeframes keep slipping. Patience is the name of the game. (Received a response from the ICO Upholding my complaint under the sixth principle of the DPA 1998. RBS failed to comply fully to my SAR within 40 days) post 290 on http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/111159-long-fight-but.html

 

The Register of Data Controllers just type in the name and you should get the result

Register of Data Controllers & their roles - Information Commissioner's Office - ICO

 

Another Useful article on Single Premium PPI and why the FSA say it was unfair.

http://www.moneymadeclear.fsa.gov.uk/news/product/ppi/payment_protection_insurance.html

Payment protection insurance (PPI) – Refunds of single premiums : FSA Money made clear – Unfair contracts

 

 

 

This is a really useful link for those CAGers looking for the UK Law Statue databases just type in the legal Act that you require and the date and search

Home - Statute Law Database

 

Trade Associations and Regulatory Bodies

Trading Standards Central - Trading Standards and Consumer Protection information for the UK

 

The Office of Fair Trading: making markets work well for consumers

 

Link with reference to GISC

http://www.oft.gov.uk/shared_oft/ca98_public_register/decisions/gisc.pdf

 

Consumer Credit Act 2006

http://www.opsi.gov.uk/acts/acts2006/pdf/ukpga_20060014_en.pdf

 

Consumer Credit Agreements amendments 2004

http://www.opsi.gov.uk/si/si2004/uksi_20041482_en.pdf

 

OFT Credit charges and APR

http://www.oft.gov.uk/shared_oft/consumer_leaflets/credit/oft144.pdf

 

Two more links here for the use of Unfair Terms in Consumer Contracts Regulations 1999

Consumer Direct - Unfair terms in contracts

 

Statutory Instrument 1999 No. 2083

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08

Reclaim your PPI premiums - payment protection insurance | This is Money

 

This is a little snippet from the above link....

 

Can I reclaim on any PPI policy?

Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.

However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.

 

This will be of use to those pressured by unsolicited telephone calls and sales

The Basics - Privacy and Electronic Communications

 

And this on EC directive on electronic communications

The Data Retention (EC Directive) Regulations 2007 No. 2199

 

The True cost of PPI

Personal loans unprofitable without PPI

 

If you are being chased for debt or harassed about debt the following Acts of law are there to protect you.

 

The Limitation Act 1980

http://www.opsi.gov.uk/RevisedStatutes/Acts/ukpga/1980/cukpga_19800058_en_1

 

The Protection from Harassment ACT 1997

http://www.opsi.gov.uk/acts/acts1997/ukpga_19970040_en_1

 

The Administration of Justice Act 1970

http://www.opsi.gov.uk/RevisedStatutes/Acts/ukpga/1970/cukpga_19700031_en_1

 

Another link from PPI thread back in 2007

Can I complain about old PPI policy? | This is Money

 

A case on Collation of Data that can evade the Data Protection Act 1998

Data collation can evade Data Protection Act, says Court of Appeal | OUT-LAW.COM

 

For legal issues relating to Data Protection check this link...Lots of very useful info in understandable terms.

Data Protection | OUT-LAW.COM

 

it includes the following and much much more

Negotiating with the Data Subject (This should be important to Banks)

 

At this stage, it is advisable to negotiate with the data subject. The location information the data subject will have already given will give a clue as to what it is the data subject really wants to have information about. The benefit of the Data Protection Act 1998 is that it allows data controllers to negotiate with data subjects to get the data subject to specify the exact information he or she wishes to receive.

 

The data controller is entitled to ask for a fee of £10 and two further pieces of information. Firstly, the data controller must satisfy himself that the person making the request is, in fact, the data subject. The use of a subject access request form is advised, since the greatest breach of a data controller's security is for the data controller to satisfy a subject access request made by a person impersonating the data subject. The use of the form goes towards proving that the data controller has adequate identification and verification procedures in place. Secondly, the data controller is entitled to ask the data subject for further information to enable the data controller to locate the information which that person seeks.

 

When the last of these three pieces of information has been obtained, the forty day period starts to run. It is advisable to put procedures in place to ensure that the receipt of the request and the further information is correctly dated so that an organisation knows how long it has to satisfy the subject access request.

 

However, if the data subject is adamant that he or she wishes to receive a copy of everything the data controller holds on him or her, then there is very little the data controller can do about this, and a completely exhaustive search of the computerised and manually held data in the organisation will be required. (nice to know what you see in the Act is what you get)

 

Two Competition Commission links Courtesy Banker Rhymes With.

 

Current inquiry by the Competition Commission into PPI - PRELIMINARY FINDINGS

http://www.competition-commission.org.uk/inquiries/ref2007/ppi/provisional_findings.htm

 

Final result of the Competition Commission inquiry

http://www.competition-commission.org.uk/rep_pub/reports/2009/542ppi.htm

 

Another good find by Pompeyfaith details on the value of PPI

http://www.competition-commission.or...xt/542_2_1.pdf

 

The latest news from the Competition Commission - Courtesy of Paintball

The Times newslink.....

Sales of PPI to be banned

 

Competition Commission Newslink.....

News release

 

All links to the British Bankers Association have been removed as a protest to their response to the Competition Commissions findings

 

A report by the Office of Fair Trading. This is long but has some interesting points about Loans and PPI.

http://www.oft.gov.uk/shared_oft/reports/consumer_protection/oft705.pdf

 

Another Interest calculator....

New Square Chambers - Interest Calculator

 

Another calculator for all......

 

http://www.consumerforums.com/resour...eadsheets.html

Edited by alanalana
new link added 29 Oct 2009

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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just a quick thought, this is probably in the wrong place, but having used your link to the IFO (thanx) to have a read, I'm surprised that ppl haven't tried the Freedom of Information Act to get the banks to prove how much it actually costs re: bank charges of any description.

Edited by alanalana

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I'm surprised that ppl haven't tried the Freedom of Information Act to get the banks to prove how much it actually costs re: bank charges of any description.
The Freedom of Information Act only applies to 'public authorities' - this includes

  • central and local government
  • the health service
  • schools, colleges and universities
  • the police
  • other non-departmental public bodies, committees and advisory bodies.


HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Some extracts for the Unfair Terms in Consumer Contract Regulations 1999.

 

Check this out another approach to claim back Mis-sold PPI.

 

 

Unfair Terms

5. - (1) A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer.

 

(2) A term shall always be regarded as not having been individually negotiated where it has been drafted in advance and the consumer has therefore not been able to influence the substance of the term.

 

(3) Notwithstanding that a specific term or certain aspects of it in a contract has been individually negotiated, these Regulations shall apply to the rest of a contract if an overall assessment of it indicates that it is a pre-formulated standard contract.

 

(4) It shall be for any seller or supplier who claims that a term was individually negotiated to show that it was.

 

(5) Schedule 2 to these Regulations contains an indicative and non-exhaustive list of the terms which may be regarded as unfair.

 

Assessment of unfair terms

6. - (1) Without prejudice to regulation 12, the unfairness of a contractual term shall be assessed, taking into account the nature of the goods or services for which the contract was concluded and by referring, at the time of conclusion of the contract, to all the circumstances attending the conclusion of the contract and to all the other terms of the contract or of another contract on which it is dependent.

 

 

(2) In so far as it is in plain intelligible language, the assessment of fairness of a term shall not relate-

  • (a) to the definition of the main subject matter of the contract, or
     
    (b) to the adequacy of the price or remuneration, as against the goods or services supplied in exchange.

Written contracts

7. - (1) A seller or supplier shall ensure that any written term of a contract is expressed in plain, intelligible language.

 

(2) If there is doubt about the meaning of a written term, the interpretation which is most favourable to the consumer shall prevail but this rule shall not apply in proceedings brought under regulation 12.

 

Effect of unfair term

8. - (1) An unfair term in a contract concluded with a consumer by a seller or supplier shall not be binding on the consumer.

 

(2) The contract shall continue to bind the parties if it is capable of continuing in existence without the unfair term.

 

All taken from this site:::

 

Statutory Instrument 1999 No. 2083

 

 

Also check out section 2 1 (q) there is loads of stuff here aladdins cave so to speak.

Edited by alanalana
text added

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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post removed as it was basically an advertisement


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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For PPI that was added to loans before the FSA ruling ie pre 14 Jan 2005 here is a little peach from Which two links to help you out pre FSA ruling.

 

http://www.which.co.uk/advice/how-to-tell-if-youve-been-mis-sold-ppi/ppi---rules-before-2005/index.jsp

Mis sold before 2005 - link above

 

http://www.which.co.uk/advice/how-to-tell-if-youve-been-mis-sold-ppi/index.jsp

Mis sold in general - link above

 

http://which.resultspage.com/search?w=ppi&asug=&mainresult=mainresult%3Ayes&x=0&y=0

 

General index for PPI mis sold enquiries - link above

 

these are both on the main site but make interesting reading if you want your money back

 

aa

Edited by citizenB
Links renewed.

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hello AA,

 

You are excelling now:D These links will be extremely useful to others, so it may be important to put them in the stickies, for reference in one place for others to find easily. Maybe pm a mod:grin:

 

Now a question I would like to ask regarding the data protection act, I have searched and searched for days and cannot find anything.

 

In my case and I am sure with others, previous loans that were taken in say 2001, they state they have not information regarding this on their databases, no credit agreements,etc. They state that under the dpa they have not legal obligation to keep them. Ok I understand this arguement, but were is there information on destruction of data.


If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Good morning Hell,

 

Thanks for the pat on back :)

Let me do some research for you and see If I can get an accurate answer.

 

I know some financial institutions keep stuff for a long time but it varies from bank to bank. If there is a definative answer within various acts I will try to find for you.

 

This link may help you out, but it is toing and froing to get what you need.

 

Data Protection Act 1998 (c. 29)

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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:grin: Well done AA you've been stickied:grin:


If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Yes Hell and all due to your help Thank you;)

 

my links post trying to help has helped with your help TY


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hello All,

 

AA I know you won't mind me adding to your links, but this does make interesting reading

 

issue 62 - mortgage endowment complaints – capping where the policy remains linked to a mortgage:D

 

Read the bit about the ppi and some of the complaints that the Fos has upheld


If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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hell,

no problem thats what this thread is all about and thanks. Such a good one, I have put the link in the top post, with due credit to you, :) just in case readers dont follow the thread down.

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hello all,

 

Link removed as time expired

 

aa

Edited by alanalana
old link removed

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hot off the press literally,

 

These links are within this thread this is just to highlight them.

 

*A Recent BBC news report on the FSA advice on PPI* 8 Hours old

BBC NEWS | Business | New online help for PPI customers

 

* And straight from the FSA website MONEYmadeclear *

FSA Comparative Tables

 

duplication but up to date information hope this helps if you need Competative PPI.

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Thanks to yourbank for posting this elsewhere

 

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/71/71.pdf

 

This FOS publication looks at the types of cases that are likely to be successful. Go to page 3 on.


Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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further information on GISC,

 

This document is from the 1 April 2000 to 31 March 2001

This is the result of a google search into GISC It would appear that the FOS were responsible for regulating Loan protection.

resolving insurance-related disputes

 

The insurance division of the Financial Ombudsman Service resolves disputes between consumers and insurance companies about general insurance (for example, motor and household insurance, travel insurance, loan protection and medical expenses policies). The Financial Ombudsman Service carries out this work on behalf of – and under the rules of – the Insurance Ombudsman Bureau (the IOB).

The disputes that the insurance division deals with are general insurance complaints which insurance companies have not been able to resolve themselves. By this stage, the complaints will have been “screened” by our customer contact division, to check that all opportunities to resolve them at an early stage have been pursued. Complaints involving life insurance and investments from insurance companies are dealt with by our investment division.

Membership of the IOB is voluntary. As at 31 March 2001 there were 231 members. A full list of members is available from our communications team (phone 020 7964 0092). In practical terms, almost all major UK general insurers are members of the scheme. When the Financial Services and Markets Act 2000 comes into force – expected by November 2001 – the Financial Ombudsman Service will be able to handle insurance-related complaints about all authorised insurance companies in the UK.

The insurance division has 56 staff – including a principal ombudsman (Tony Boorman, who is also the Insurance Ombudsman under the rules of the Insurance Ombudsman Bureau) and three other ombudsmen (Reidy Flynn, Stephen Lilley and Michael Lovegrove).

general insurance regulation

The conduct of general insurance business is regulated by a new organisation, the General Insurance Standards Council (GISC). We have worked closely with GISC during the year to help it develop its rules and, in particular, its new Code for Private Customers. This code will in due course replace the Association of British Insurers’ (ABI) Code as a statement of the obligations of the industry when selling general insurance products. As the membership of GISC grows, the new code will play an important part in our consideration of many disputes.

We also commented on the new ABI Claims Code. This provides for standards to be maintained by firms when handling claims. Particularly welcome was the inclusion of obligations towards third party claimants. In due course it would seem sensible for the Claims Code to come under the scope of GISC.

 

Plus a few more links which may help claimants from pre FSA times

http://www.lphpitman.co.uk/gisc_doc.htm

 

http://www.financial-ombudsman.org.uk/publications/first-annual-report/resolving-insurance-related-disputes.htm

 

http://www.financial-ombudsman.org.uk/publications/first-annual-report/resolving-insurance-related-disputes.htm

 

http://www.fs-cp.org.uk/pdf/991229_giscconsultationwebsite.pdf

 

http://www.oft.gov.uk/shared_oft/ca98_public_register/decisions/giscrule.pdf

 

http://www.insuranceprice.co.uk/gisc.htm

 

https://vault2.secured-url.com/iib/encyclopeadia_item.asp?encyclopedia_id=125#none

 

Hope this is of use I did not post in the links top page as it is a little crowded.:cool:

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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And a little more it is old but may help folks reclaiming from the time of GISC.

 

The main problem is finding out if the company you are claiming from were members of GISC and I am still working on that to see if there are any lists.

 

Rule F42 is threatening to stifle a source of revenue for dealers who make money from selling insurance-related products.

It is being introduced by the General Insurance Standards Council (GISC) whose members include major insurance companies. GISC, an independent organisation, regulates insurance sales and advisory and service standards.

It has announced regulations to prevent its members from dealing with intermediaries that are non members. Rule F42 applies to all insurance-related products, including car policies, payment protection, vehicle replacement and mechanical breakdown insurance.

Dealers who enjoy strong margins from selling these products will need to submit their applications to GISC before September 1, with all submissions processed by the end of the year.

Chris Wood, training and development manager of Direct Group, which is advising dealers, said all sales staff involved in insurance activities would be subject to checks by GISC assessors to ensure they were suitably qualified, trained or experienced.

“Membership poses a number of challenges,” he said. “Any skills shortfall has to be covered by a minimum level and standard of training.”

Dealers could become an agent, or sub-agent, of a GISC member, saving the membership fee, but that would “tie the dealer to that manufacturer's insurance products – they would not be allowed to sell rival products”, said Mr Wood.

Donald Pinkney, managing director of Motorway Direct, which has a £1bn strategic partnership with RAC Warranty, said: “Insurers would have to take responsibility for the dealers who become agents to sell their products – they are not prepared to take this risk.”

Motorway Direct is planning a series of training courses to educate dealers about the new regulations.

Mr Pinkney feared many of the smaller dealers were unaware of the legislation and its implications. “Insurers will not deal with you unless you are registered. If any dealer is making money out of selling insurance products, they must register with the GISC as soon as possible,” he said.

Membership fees are 0.1% of the income earned from insurance-related products. Mr Wood estimates that a dealer selling 800 cars a month and making £250 from insurance-related products, would pay around £200 a year.

Chris Woodburn, GISC chief executive, urged companies to apply for membership “sooner rather than later”.

He said: “GISC has more than 2,000 members and applications received. I envisage that by January 2002 the majority of organisations with whom business customers and consumers arrange their insurance will be regulated within the framework of a single regulatory body.”

The GISC regulations, developed in conjunction with the Association of British Insurers and British Insurance Brokers Association, are intended to stop misrepresentation when selling insurance by setting minimum standards.

Dealers will be expected to provide full explanation on what each insurance product covers to ensure customers are treated fairly.

GISC chairman Anthony Howland Jackson said: “Implementation of Rule F42 provides the glue which will bind together the industry under one single coherent regulatory regime. This has always been the objective of the GISC board, in line with the Government's wishes.”

Mr Wood said dealers should see GISC as an opportunity to improve penetration of insurance-related products.

“Firstly, it is a chance to generate customer credibility from GISC membership and compliance,” he said.

“Secondly, it is an opportunity to review the insurance sales process and develop a training programme that is not only compliant, but also increases insurance profit.”

However, Rule F42 is believed to be the first wave of the GISC regulations.

A second tier may force dealers to disclose how much they bought the insurance product for, revealing their profit margins, to give consumers full transparency. Further information is available on the GISC website: Car Insurance UK

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Author

Stephen Briers

Group Editor

01733 468261

Stephen Briers [/url]

Web links:

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aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Complaints data the second part that names and shames.

 

Alan please add this to the sticky you sticked for me earlier.

 

Thank You

 

Complaints data

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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PF you have already done it by posting on this thread but if you want it up top just shout :wink:


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hiya Alan yes i posted it here by mistake thinking i was on the PPI FORUM, anyway yes please can you put it under the other one keeps it nice a tidy then ;)

 

Regards

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Sorry to hijack here but desperate for some help.

 

have thread re PPI with mail order Freemans about mis sold policy well basically not informed at all until i challenged monthly payments added on statements. Come to claim abot 9mths later and not covered.....later finds after checking credit report that Freemans have moved the date i joined them which was 2007 and now states on my credit file i joined them in 2005. Iv just put 2 & 2 together and think this is re: the rules prior and after these dates. Please does anyone have any advice ?

Thank you Nicola

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Hello nic,

 

Just to keep things easy to follow. Click on this link type in a suitable title and away you go.

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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