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reclaiming picture ppi. help / advice please


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several months ago, I contacted picture over the phone

requesting certain information regarding the ppi we took out with them in 2006.(insurance documents/ paperwork , you get the picture.:-)

 

They informed me that they have nothing to do with the insurances anymore, and that a company called ,

The warranty group(TWG) deal with all these issues.

 

I contacted this company, and they informed me that

PICTURE deal with all insurance, ppi queries:???:

 

I/ we have had enough of this company giving us the run around and so i have contacted the (fscs) and they

have sent out an "initial enquiry questionaire" form which we have to fill in and send back.(so far so good)

 

with regard to question 2; its asks;

Please provide details of the firm you are claiming against. please make sure you have given the advising firm and not the product provider.

 

so is it just "picture we put down in this section; can someone please clarify,,,... cheers.

have picture changed their name.:?:

 

The reasons why we are going to put a claim in are as

follows; and do we have a case;"comments please":-)

1- secured loan 20 years,(ppi only 5 years)

2-had no choice. no ppi no loan.

3-I was self employed,(have been since november2002)

4-SINGLE PREMIUM(all intrest loaded up front)

5-No other insurance was offered;

6-No demands& needs;.(on either of us)

 

7- we would like to reclaim all the ppi,plus the intrest,8% i believe and bring down the payments and put the loan back to how it would have been without

ppi. "thank you"

 

thats it for the opening "shots";,

Have we a case with regard to the above,,,

"thanks in advance" happyhamr& otherhalf:-)

 

ps; with regard to recent ppi situation(claims on hold)

should this case be ok because it will be going to FSCS.

cheerssss;

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  • 3 months later...

well since completing the "initial questionaire", we have now been sent another claim form which we are in the process of completing;but this form has to be sent to Delloite LLP.

I/WE know this may take some time to get sorted out, so we will just have to be patient:-)

would just like to ask for some advice/feedback regarding the following;

 

1 -why is ppi such a "no no" when/if you are self employed:?:(i have been since 2002)

2-if you already had a life policy in place(we did),would this make a difference to ppi being added to

ours/ anyones agreement:?:

3-all of our dealings with picture were done over the telephone,"does this make any difference".

Any help/ advice regarding these issues would be greatly "appreciated" by both of us:-)

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  • 3 months later...

hello. , just want some help/ advice if possible.

at the time of taking out this loan, the insurers were (2006)

1 - combined life assurance company limited,in respect of life,accidental death,disability and hospiltalisation cover;

2-london general insurance company liimited in respect of unemploment cover and no claims bonus.;

BUT in 2010, we have a letter stating that, TWG( The Warranty Group), were in fact the insurers (insurance company)

 

Now in filling out the compensation form,(still going through it),section E3,

IF any body has filled this bit in, we would like somehelp/advice what to put down in this section.

DO we simply put down all of the insurance companies down & hope this is correct.

If Any body can help/advice in the completing of the FSCS compensation forms & any of the above,

also regarding previous post/posts this would be very much "appreciated"

 

thank you happyhamr

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  • 2 weeks later...

update;

have finally sent & completed compensation form to "Delloites",

 

we have recieved confirmation letter from them to confirm this.

 

"all systems GO"

 

We would still like to ask if their are any,

 

,Picture,Picture Home Loans(now Webb Resolutions), experts/ gurus for any comment on this thread;;;;;;;;;;

 

PLEASE. Thanks happyhmr& otherhalf

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can i ask why you are using the fscs?

 

as for the dellboys, they look like a reclaims co?

 

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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no-one

 

do it yourself!!

 

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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WHO should we be using then? ,,,dxany expert/guru who has had dealings with "Picture" willing to comment thanks again , happyhamr

 

Do not use anybody else !! They will [problem] a big percentage off you with various charges and admin fees..Picture went bust last year or 2009 cant remember which which is why it went to FSCS..I went through them myself , filled in the questionaire basically stating that I was missold as told I had to have the PPI and not given the chane to seek insurance elsewhere.Took about six months in all but got £8k back .I think you do not get the full amount of PPI but 90% up to a certain amount.Please do not use claim companies..FSCS were great I just rang them on a monthly basis gave them my ref number and they updated me.It always goes through Deloittle first...

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we are not using any other claim companie(s).we have filled in compensation claim form fscs,& this has been sent to deloittes. this is the procedure"we thinks"hope this "clarifies" situation.thanks jj69& dx; (sorry for confusion)

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we are not using any other claim companie(s).we have filled in compensation claim form fscs,& this has been sent to deloittes. this is the procedure"we thinks"hope this "clarifies" situation.thanks jj69& dx; (sorry for confusion)

 

lol thats the procedure I followed , waited about 3 months but got the result I wanted.As you can tell I loath claims companies young girl at work chose one she had to pay £320 up front and she did !! Of course as you can guess no PPI was refunded oh and they kept her fee.I told her how I had claimed which had cost me the price of a recorded letter.If you dont hear any news say in two month period give them a call for an update , sometimes it jogs them along a bit ..

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