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Loan+ PPI sold by double glazing company.


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The first loan I ever had was for double glazing. It was sold by the salesman who sold the glazing. I was not even aware the PPI element was a voluntary arrangement.

 

There was no breakdown on the statements from the company. When the loan was cleared I asked for a breakdown, I was intially told that the loan and the PPI were all rolled together as a package. I never used the PPI.

 

I want to claim it back. Is there any problem given that it was sold through a double glazing company and not directly through the loan company. Is there a specific template letter for this?

 

 

How long does PPI reclaiming usually take?

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The first loan I ever had was for double glazing. It was sold by the salesman who sold the glazing. I was not even aware the PPI element was a voluntary arrangement.

 

There was no breakdown on the statements from the company. When the loan was cleared I asked for a breakdown, I was intially told that the loan and the PPI were all rolled together as a package. I never used the PPI.

 

I want to claim it back. Is there any problem given that it was sold through a double glazing company and not directly through the loan company. Is there a specific template letter for this?

 

 

How long does PPI reclaiming usually take?

 

Please post up more information:

 

Company name?

Details? or post up a copy of the consumer credit agreement?

Cost of the PPI?

Were you asked the appropriate questions at the point of sale?

Do you have documentation?

If so what documents do you have?

Is a broker involved?

When did you take out the loan for Double Glazing?

 

The more information you can supply the better so advice can be given.

 

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 for the reply.

 

I rang the FSA yesterday- I was told as the loan was taken out through a double glazing company , and they had gone bankrupt, it would be difficult to do anything. To make matters worse the loan was from 2002 , before regulations governing PPI sales came into force.

 

The PPI amounts are about £350.00 PA over five years.

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And, we didn't even know there was a PPI element in the loan. The loan cmpany itself , when asked about a year ago said that it would be difficult

to show what the PPI element was because at the time it was all aprt of the loan.

 

I have since then managed to get them to separate loan from PPI and it runs at about 10% of the total loan.

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