PPI Reclaim prior to 2005

[feebs]

I have been going back through previous loans and credit cards to check if ppi was added. Have found a large single premimum ppi for a loan we took out with First National Bank in 2001. Is it much more difficult to claim back single premium ppi that was issued prior to the 2005 change of regulation? I also wondered if anyone else has dealt with First National Bank (now GE Money I believe) and should I send SAR request to GE Money ?

 

Many thanks as always for invaluable help....

 

Feebs

[hellhasnofury]

I have been going back through previous loans and credit cards to check if ppi was added. Have found a large single premimum ppi for a loan we took out with First National Bank in 2001. Is it much more difficult to claim back single premium ppi that was issued prior to the 2005 change of regulation? I also wondered if anyone else has dealt with First National Bank (now GE Money I believe) and should I send S.A.R - (Subject Access Request) request to GE Money ?

 

Many thanks as always for invaluable help....

 

Feebs

 

Hello Feebs,

 

It is only more difficult due to the fact that the Financial ombudsman will probably not investigate your complaint. But there is no reason why you cannot do it and if they refuse, you can issue a small claims county court claim against them.

 

If the first national bank is now ge money send your sar to them, they will very quickly tell you if it is not:D

[feebs]

Thanks for that HHNF....think I may have a bit of work to do.....not only have ppi on First National but MBNA Credit Card, Alliance and Leicester and a couple of others !!!!

 

Better start getting some £10 postal orders organised !!

 

Feebs

[alanalana]

Hello feebs,

 

I have been going back through previous loans and credit cards to check if ppi was added. Have found a large single premimum ppi for a loan we took out with First National Bank in 2001. Is it much more difficult to claim back single premium ppi that was issued prior to the 2005 change of regulation? I also wondered if anyone else has dealt with First National Bank (now GE Money I believe) and should I send S.A.R - (Subject Access Request) request to GE Money ?

 

From the FSA Register see this on GE Money

 

Post codePrevious/Trading As namesStatusNon-FSMA Registration

 

GE Money BankGe Capital Bank, Ge Money Bank, Ge Sovac EEA Authorised

GE Money Consumer Lending LimitedHA1 1FBFirst National Consumer Finance Limited, Ge Money Consumer Lending Limited First National, Ge Money, Ge Money, Ge Money Consumer Lending, Ge Money Home LendingAuthorised

GE Money Direct LimitedWV1 3JEGe Money Direct Limited, Midland & General Direct Limited First National, Ge Money, Ge Money Home Lending, Lgroup, Lgroup Loans, Lgroup Mortgages...Appointed Representative

GE Money Financial Services LimitedWD18 8YFGe Money Financial Services Limited, Ge Money Servicing Ltd, Igroup Financial Services Limited First National, Ge Money Home Lending, Gem MortgagesAppointed Representative

GE Money Home Finance LtdHA1 1FBFirst National Home Finance Limited, Ge Money Home Finance Ltd First National, Ge Money, Ge Money Home LendingAppointed Representative

GE Money Home Lending LimitedWD18 8YFGe Money Home Lending Limited First Nat Direct 2 U, First National, First National Direct 2 U, Ge Money, Ge Money Home Lending, Ge Money Lending Solutions...Authorised

GE Money Lending Solutions LimitedWD18 8YFGe Money Lending Solutions Limited Ge Consumer Finance Home Lending, Ge Money, Ge Money Home Lending, Ge Money Lending Solutions, Ge Money Solutions, Purple Loans ...Appointed Representative

GE Money Mortgages LimitedWD18 8YFGe Money Mortgages Limited, Igroup Mortgages Limited First Nat Direct 2 U, First National Direct 2 U, Ge Money, Ge Money Home Lending, Ge Money Mortgages, Igroup...Appointed Representative

GE Money Purple Loans LtdWV1 3JEGe Money Purple Loans Ltd, Midland & General Mortgages Limited Ge Money, Ge Money Home Lending, Lgroup, Lgroup Mortgages, Midland & General Direct Limited, Purpleloans...Appointed Representative

GE Money Secured Loans LtdWD18 8YFGe Money Secured Loans Ltd

 

Ge Money, Ge Money Home Lending, Ge Money Secured Loans, Igroup, Igroup Direct, Igroup Loans...

 

Feebs not sure which of these would be your GE why not write a letter and copy it to them all it will give them something to do in responding rather than selling more PPI.

Introducer A.R.

 

 

 

Busy little forum and going to get much more so before the credit crunch puts them all out of business:eek:

 

Please see these links to see if it helps you....

 

For claims before 2005 and the FSA ruling from which campaign

Payment protection | Were you mis-sold PPI? | PPI - rules before 2005

Payment protection | Were you mis-sold PPI? | PPI - the rules

 

Hope this is of use to you also see this for a stack of information on PPI and other stuff.

 

links

 

Questions just post some kind CAG person will pick up and answer:)

 

aa

Edited October 6, 2008 by alanalana

[feebs]

Hi Alanalana

 

Many thanks for all this.....I'm grateful for any nuggets of help I can get. I was quite horrified when looking back at credit cards (mbna) and past loans all paid off to see how much PPI I've paid out. My MBNA is the worst, this wasn't a single premium but as expensive looking at the monthly repayments !!

 

Fine 'em all - that's what I say !!!!

 

Feebs

[Paintball]

That's a few SARs you'll be doing, but worth sending in my opinion