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Am I being fobbed off?? Who are The Finance and Leasing Association?


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Ive just had a letter from Santander (formerly GE Capital Woodchester), rejecting my PPI claim.

 

The letter says that because my policy was taken out more than six years (taken out in 2001 over five years) that ''we are unable to comment as we consider this to be statute barred'' What does that mean?

 

They also mention that I write to The Finance and Leasing Association if Im not satisified with their response.

 

Sounds like Im being fobbed off.

 

Is an SAR my next step?

 

Thanks for your help,

 

S:???:

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You're not being fobbed off - we may be able to help. The FLA is the leading trade association for the consumer credit sector in the UK. Santander are right in referring you to us because we offer a concilation scheme. We can consider your complaint or you can request the Financial Ombudsman Service to review your case. Details about the FLA and how to complain are on our website.

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you most certainly ARE being fobbed off.

 

there is no limit to time concerning PPI reclaims

 

GO GET 'EM!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if you have not hada letter from the OC stating it is their final responce

then that will be a waste of time.

 

all they are doing is to try and put you off.

 

write back, stating that the limitations act 1980 sec 32c apples & that your PPI reclaim is not subject to a 6yrs time limit.

 

now stop faffing me around and cough up.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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letter says that because my policy was taken out more than six years (taken out in 2001 over five years)

 

what crap are they going to come up next

 

the claiming for ppi starts when you found out the policy was missold

 

even if it was under the statute of limitations, the dates dont add up

 

ITS SIX YEARS FROM WHEN THE ACCOUNT CEASED TO BE ACTIVE

 

TAKEN OUT 2001

 

FINISHED 2005

 

2005 PLUS SIX YEARS = 2011

 

CRETINS

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Hi Sutera67,

 

All the FLA did for my complaint was send me a copy of a letter I had already received from the company concerned several months before - an absolute waste of time and effort...........

 

Good advice from dx and postggj!

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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  • 7 months later...

i have just been told by a secured loan lender that they are governed by the complaints procedures

of the FLA. Glad this was here to read

I borrowed 67.000

they have made tthis 71,000

and added

40,000 interest

5,000 early redemption

1600 charges

4500 unspecified charges

taken off the 30,000 i have paid

and want 93,000

the brokerage that sold it were in liquidation and had no consumer credit license at the time

I have rang OFT and FSA and Trading Standards and FOS and Consumer Direct

 

the company says they are not a bank and the loan is unregulated and they are not obliged

to honour the banking code

They are called Pres t ige Fin anc e -

I feel its unfair rel as per CCA - any opinions welcome

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