ppi - over 5 years

[WILKINSS208]

hi

i have a poicy for ppi from 2003 and 2005....can i still claim?

i hsvr sent the claims in, but got letters to state i used a broker and now they was not trading anymore.

therefore got to go through compensation service.

can i still claim though

ny advice would be appreciated

[dj1971]

Hi Wilkinss,

 

Yes you certainly can claim. Whoever was taking your monthly repayments are responsible for any refund of PPI.

 

Who was it told you you can't?

 

DJ

[WILKINSS208]

thanks for reply, really appreciate that...

 

i have a loan with ge money, who say its up to simply loans to deal with as they sold me the loan.....however, they ceased trading. this was sold in 2003

 

my other one is with sppl who said its national guarantee who sold me loan and they have to deal with it. this was sold in 2005

 

the fos said because both over 5 years wont help

[dj1971]

Typical GE money, might have guessed.

 

Write back to them and ask them to look at it again, and if they do believe they are not responsible, to give you a full and final response so you can refer this matter to the FOS.

 

Good luck

 

DJ

[WILKINSS208]

i emailed the fos to ask their advice on the ppi cases without going into too much detail.

they have stated under their rules they can only consider claims in respect of mis-selling if the advice was given by the firm after 14 january 2005, the date from which insurance intermediary business was regulated by the fsa.

 

does that mean i cannot claim for the ppi frm 2003??

[dx100uk]

simple answer is do it

 

put in your claims.

 

if you've got the agreements? then you are home and dry

 

i've had ppi from 1993 refunded by that method and the FOS will back you.

 

get on and put your claims in with spreadsheet detailing your calcs and if you hit a snag, then after 8 weeks got to the FOS.

 

dx

[WILKINSS208]

but the fos have already told me wont refund if before 2005

[dx100uk]

garbage.

there is no timelimit on ppi reclaims.

 

do you have the signed agreement.?

 

dx

[WILKINSS208]

yes i do, thanks for your advice i will send now - i will keep posting

[WILKINSS208]

hi

where can i find letters to help me here when ppi over 6 years?

any help would be appreciated.

[dj1971]

Hi Wilkins,

 

Personally, I would just write a simple letter with your account reference and previous address if applicable outlining the reasons you believe you were mis-sold and that you want a full refund.

 

Attach your spreadsheet of calculations on how much you want to reclaim and send it off. They have 8 weeks to complete their investigations and give a full and final response.

 

Good luck

 

DJ

[WILKINSS208]

Hi Wilkins,

 

Personally, I would just write a simple letter with your account reference and previous address if applicable outlining the reasons you believe you were mis-sold and that you want a full refund.

 

Attach your spreadsheet of calculations on how much you want to reclaim and send it off. They have 8 weeks to complete their investigations and give a full and final response.

 

Good luck

 

DJ

 

hi i have done this and they said i went through broker so they need to pay it back, however, they are bust!

i cannot claim throught the compensation scheme as its over 5 years old.

should i just give you

[dj1971]

Wilkins,

 

I am a great believer in NEVER give up.

 

I believe the only option you have open to you now in these circumstances is to submit a claim to the small claims court, but not 100% sure.

 

Perhaps other caggers will have some other suggestions.

 

Or you could post this question in the legal forums for guidance.

 

DJ

[WILKINSS208]

where is the legal forum?

thanks for your help

[dj1971]

It is another of the forums available on this website. Just go to the homepage and scroll through until you come to "legal issues" I believe it is called.

 

DJ

[WILKINSS208]

brill thanks, i will keep posting

[dx100uk]

who are these muppets

 

your claim is against them that sold you the loan.

 

they are giving you the brush off and you are allowing them to kid you.

 

go get 'em.

 

scan up your agreement but remove pers info and barcodes

 

dx

[WILKINSS208]

i have tried but they wont give in and fsa wont help either

[dx100uk]

i have tried but they wont give in and fsa wont help either

 

 

who are 'they'

 

as for the fob off letter post it up

 

scan your sheets/agreements

remove all pers info inc barcodes etc but leave all figures and

dates.

goto one one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

browse to your pdf file and upload it

hit close this windows at the bottom below upload it box

 

dx

[WILKINSS208]

who are 'they'

 

as for the fob off letter post it up

 

scan your sheets/agreements

remove all pers info inc barcodes etc but leave all figures and

dates.

goto one one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

browse to your pdf file and upload it

hit close this windows at the bottom below upload it box

 

dx

 

 

hi

thanks for your ongoing help

my loans are financied with ge money, but bought through brokers who are now bust! ge money wont accept liability.

fsa wont touch as too old.

i cannot scan as on daughters laptop as mine is currently been repaired. my daughters is not letting me add scanner/printer because of size of laptop.

i have on email i will try and enter one

[WILKINSS208]

i am attaching one document from 2001

[dx100uk]

cant read postage stamps

 

make the image large on pb and then right click copy

then come here and right click paste

 

dx

[WILKINSS208]

cant read postage stamps

 

make the image large on pb and then right click copy

then come here and right click paste

 

dx

 

trying again

[WILKINSS208]

 

the signature date is 18.4.01 is that the one you need? i cant seeem to blow them up

[dx100uk]

follow post 19 cant read those....................

 

if you cant read them we cant either.

 

dx