Jump to content


Eve V GE Money PPI


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5138 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello fellow reclaimers,

 

I am just starting out in the process to recover the PPI on my previous Dorothy Perkins Store Card.

Sent first letter stating i believe i was mis-sold .....

Received prompt reply stating that they believed the policy was sold correctly, the FSA'a regulations are irrelevant as it was purchased pre Jan 2005 and that i have no evidence of mis-selling.

 

And so...

 

I have started my reply, stating that i am fully aware of the FSA's ruling and that there was still a code of practice in place pre 2005, of which i believe the rules to this were not upheld by the sales advisor in store. (Not asked about pre-conditions, not told cover was optional, etc etc)

 

Now i have writers block,

 

They are giving it the usual..

 

You signed for the box for the PPI (was just told to tick the boxes with the crosses)

I had the 30 day cooling off period to cancel/complain.

 

Any help or advice would be greatly appreciated.

I hear GE are real fighters! :(

 

Many Thanks!

Link to post
Share on other sites

Do you have a pre exsisting medical condition?

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

Link to post
Share on other sites

Hello fellow reclaimers,

 

I am just starting out in the process to recover the PPI on my previous Dorothy Perkins Store Card.

Sent first letter stating i believe i was mis-sold .....

Received prompt reply stating that they believed the policy was sold correctly, the FSA'a regulations are irrelevant as it was purchased pre Jan 2005 and that i have no evidence of mis-selling.

 

And so...

 

I have started my reply, stating that i am fully aware of the FSA's ruling and that there was still a code of practice in place pre 2005, of which i believe the rules to this were not upheld by the sales advisor in store. (Not asked about pre-conditions, not told cover was optional, etc etc)

 

Now i have writers block,

 

They are giving it the usual..

 

You signed for the box for the PPI (was just told to tick the boxes with the crosses)

I had the 30 day cooling off period to cancel/complain.

 

Any help or advice would be greatly appreciated.

I hear GE are real fighters! :(

 

Many Thanks!

 

 

Be prepared for a tough fight love. I've got a thread on here for my wifes debenhams card. If you read that you will be able to see that they are under the impression they can do and say what they want.

 

Good Luck.

Link to post
Share on other sites

No i didn't at the time of taking out the card.

what are your grounds for reclaiming then please?

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

Link to post
Share on other sites

This is a copy of the letter i sent to GE:

 

Dear Sir or Madam,

 

Re: Dorothy Perkins Account number: ***** *** **** ****

 

I am writing in relation to the Payment Protection (PPI) Policy on the above account which I purchased from you in November 2002 but now believe that I was mis-sold this policy for the following reasons:

 

This is due to the fact that I was not given the correct information when the policy was sold to me, as

 

  • Your salesperson did not tell me that the policy was optional

  • I was only provided with information of the store card with PPI attached.

  • I was not asked whether I already had any existing insurance or employer benefits that would cover my repayments.

  • Your salesperson did not give me full information on what the policy would and would not cover.

  • I am concerned the sales assistant that sold me the policy has no financial background and the policy was not sold in my best interests.

This is also due to the fact that you have previously been fined by the Financial Services Authority for failing to have adequate systems and controls for selling Payment Protection Insurance (PPI) and for failing to treat its customers fairlyand I believe that this is the case with my policy.

 

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.

 

I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.

 

Yours faithfully,

Link to post
Share on other sites

OK

Your best bet is to see if they have a credit agreement, I found they had none for my wife, that and her medical condition gave us a full refund.

 

If they have no credit agreement they cannot prove if you asked or agreed to the PPi

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

Link to post
Share on other sites

Wot should this look like? As i kept everything, i do have some paperwork but not quite sure wot is legit and wot is just rubbish they give you.

Link to post
Share on other sites

the document with your signiture, it will have credit agreement on the top of the document along with terms and conditions etc.

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

Link to post
Share on other sites

can you post it on here please?

 

The chances are they will not have a copy of the agreement, if they have not sent you a copy i very much doubt they have one.

 

Check your copy and see if there is a box on it to say you asked for PPI, if there is then write again to GE or ring them and ask for a copy of the credit agreement, do not tell them you have one, if they cannot provide one then they have no evidence that you agreed to the PPI perfect grounds for a full refund so write again when they admit they don't have one stating this, if there is no box ticked for PPi then write and send them a copy of your agreement and ask for refund because you never agreed to it.

 

Hope this makes sense

Edited by adamski

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

Link to post
Share on other sites

There is no box to select. just the part which states 'sign here if you require ppi' which the sales advisor did not mention during the sale and then at the end asked me to sign at the crosses (which stupidly i did without thinkin, as i was not told it was optionl)

 

Will scan and post a copy on here as soon as i can.

Link to post
Share on other sites

OK

Your best bet is to see if they have a credit agreement, I found they had none for my wife, that and her medical condition gave us a full refund.

 

If they have no credit agreement they cannot prove if you asked or agreed to the PPi

 

 

Not hijacking the thread but I was sent the CCA which showed no PPI yet they still won't pay out.

Link to post
Share on other sites

Not hijacking the thread but I was sent the CCA which showed no PPI yet they still won't pay out.

 

Then you should take them to court, if not themn write again and ask them to explain in detail why they wont refund when you have not agreed to it.

Edited by adamski

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

Link to post
Share on other sites

Eve then you must ask them for a copy of the agreement, do not tell them you have one, the key to this is just keep writing to them.

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

Link to post
Share on other sites

Then you should take them to court, if not themn write again and ask them to explain in detail why they wont refund when you have not agreed to it.

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/144780-cca-debs-card-shows.html

 

Unfortunately they didn't keel over as you expected adamski so unfortunatel I'm going to have to go down the court route.

Link to post
Share on other sites

seriously even if they have sent you a final response keep going i did and i am getting a full refund plus interest.

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

Link to post
Share on other sites

seriously even if they have sent you a final response keep going i did and i am getting a full refund plus interest.

 

 

No problem I will. Did you at any stage receive the 'You asked for it over the phone' reply or did they pay up before that stage?

Link to post
Share on other sites

No the agreement was signed and PPI box ticked.

 

My grounds were pre exsisting medical condition not explained, GE Money refunded on a store card for this reason but GE Home Lending would not refund on a secured loan PPi,

 

So i sent them a copy of the letter from GE Money saying that they were wrong to sell the policy to us, this after GE Home Lendings Final Response and they wrote back and offered me a full refund plus interest if i gave them documentary evidence of when the condition was first diagnoised, I had already sent them evidence that my wife had the condition but not when it was diagnosed which was 18 years ago so I expect a full refund any day now.

 

Persistence does pay off.

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

Link to post
Share on other sites

Cool keep us informed

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...