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First plus PPI


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Hi

 

I'm hoping to reclaim my PPI but I wanted some advice if anyone has any?

3 years ago my ex took out a joint names loan with first plus for £95k and was sold PPI at £23K - loan was over 20 years.

He was sold this by our 'relationship' manager who has known of his employment status for a long time.

My ex is a contractor and has been for years, although at the time he was working through an umbrella company for tax reasons. Technically he was employed, but at the end of the day if he didn't get jobs that employment just ended. At the time I was employed in the proper sense of the word (although I'm now a contractor)

On top of which we weren't told about the premium being paid for over the duration of the loan and no-one told us about pre-existing medical conditions.

The manager was very persuasive in selling the refund of the premium at the end of 5 years if you missed no repayments - knowing full well that my ex has a long history of missing payments (all his bank accounts were with barclays who sold the loan, so they had a complete view of his finances).

We actually cancelled the policy 6 months ago, receiving a miserable £1k refund, as money was tight and were already on a 4 month agreement to pay reduced monthly repayments.

 

Do you think we'd have a case for mis-selling? How much time does it take out of your day to progress these? I'm worried as both ex and I work ridiculously long hours and have to travel abroad quite frequently (when we're working, which I hope to be again soon!).

 

Any advice greatfully received.

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Howdy Witsend'

 

You should definately go for a reclaim.

As long as you've never claimed on the policy this should be fine.

 

The first thing you need to do is send off a Subject Access Request. A template for this can be found here : http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/118145-sar-ppi.html

 

You'll need to include a cheque / postal order for £10. Also, be sure to send it recorded delivery.

 

Once you've sent this off you'll have a couple of weeks before they respond. Once they do respond, you should have a big wad of papers and statements. This is the time consuming part, you'll need to look through all these papers and see exactly what the deal is with the contract you signed and the terms of that contract. You do have your own timeframe to do this though, so you can spend a day doing it, or you could spread it out and spend a month doing it, it's up to you really.

after that, once you've gone through all the papers, if you still think you've been mis sold, you write a letter to them detailing why you think it was mis-sold and ask for a refund, hopefully then you get a refund, but that rarely happens. You can deal with that bridge once you reach it, but for now I'd get the SAR sent off.

 

It doesn't really take that long for you to process all the information, most of the time will be spent waiting for First Plus to respond to you.

01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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Yeah, it's not too bad at all.

All you really need to do is write a couple of letters, and there's templates on this site for most of those, you just need to edit them a bit to suit your circumstances.

 

Once you've received your SAR, it will probably take a couple of hours to look though the contract and check what your claiming against isn't specifically mentioned in the papers they send you (ie if you were claiming that they didn't ask you about a pre-existing medical condition, and on the signed paperwork they send you, you have signed a box saying "I do not have any pre-existing medical conditions". That kinda thing.

 

You stand a good chance since your claiming against First plus, who use what's known as a "Single Premium" policy, where the whole PPI amount is added to the start of the loan, so before you even do anything you have an extra £15k or whatever added onto your balance, which starts generating Interest (on the whole amount) for them straight away. In May this year this type of policy was deemed unfair to the consumer and has subsequently been banned (I think lenders have until April next year to sort their systems and train staff before they will legally not be allowed to offer such policies anymore).

 

So, good luck ... and keep us informed how your getting on, any problems, concerns, issues etc, just whack up a post and someone'll be here to help you out.

01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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