Great universal help needed

[shellie_eeyore]

Hi there and first of all thanks for reading this and hopefully replying to it!

Right long and short of this is we have been buying things over the past 4 years through my mother in laws catalogue Great universal, last Aug i spoke to someone at great universal to check the account and to make sure we were meeting the minimum payments for the goods purchased on interest free credit, the woman went through the account, what was left outstanding and what the minimum paymenst were going to be. I have met every payment date and paid slightly extra each month rounding to the next £ to keep everything perfect. I then spoke to someone in Oct regarding what i was given the impression to be the final payment date on the goods and was told not one panny i had paid had actually been paid against the goods themselves and that the value of the goods would be added to novembers statement, when i questioned what i had been paying for over the past months i was told the majority of the payments each month was going toward a payment protection insurance which they claimed my mother in law had aggreed to. On speaking to her she denied requesting this and confirmed she had not signed anything or aggreed to anything, the orders had ben placed over the phone originally. After many converstaions with different members of staff today i spoke to one of the complaints managers(?) who has simply told me they need no written or verbal evidence that this was requested, and they can add it to the account. i explained my mother in law had not requested this and that it had been added without our consent. she said my mother in law had aggreed to it and that its her fault for not noticing anything on the statements regarding it and she should have questioned it sooner, I am planning on fetching from my mother in law the statements so i can see this, My mother in law is a pensioner who simply saw that the payments were being met and informed us of the minumun payment each month. for an example i have been told that in one months payment which was for £160 £85 of it went on the insurance.

I am just wondering if anyone can give me any advice on what i do next ??

Thank you so much for any advice given,

[silverfox1961]

Hi

From now on, stay off the phone. Do everything in writing.

 

This could get quite complicated. Is the account in your name or your Mother-in-Laws?

If it is in your name with its own account number then reclaiming the PPI (or whatever they call it) should be relatively easy. You will need all the statements showing PPI and the interest charged. Do a spreadsheet of the PPI and reclaim it-with interest.

 

If the account is not in your name but in your MiL's, I think she will have to do the reclaim and pass it on.

 

Have a look here for the letters

http://www.consumeractiongroup.co.uk/forum/content.php?609-Can-t-find-the-letter-you-want-Look-here

[shellie_eeyore]

Hi there the account is in her name but i they have written consent to speak to me about it, Thanks for the link i will have a look at that and get started with it!

Thanks again

Hi just looked at the link and sorry for sounding thick but which letter do i need to be sending them ???

[silverfox1961]

If you don't know EXACTLY how much has been charged then a SAR (section 2) is in order

 

If you do know how much you are trying to reclaim then section 3 (the only letter there) is the one to start off with.

 

I would send all letters by recorded delivery or get proof of postage from the post office