Help Needed Claiming PPI from piccadilly Finance

[taximan14]

Hello

I have taken a fewPPI policies out with piccadilly finance over the last 10 yrs, I believe they have all been mis sold, My problem is that Piccadilly Finance appear to have gone out of business, I contacted southern pacific who the loan was with and they said that they did not sell me the policy.

Who do I make the claims to.

 

Any advice will be much appreciated.

 

 

Andrew

[dx100uk]

fire the FOS complaint form [PPI] offto whom ever you were paying your PCM to in the first instance.

 

dx

[taximan14]

Hi DX

I have already written to Southern Pacific,( Now acenden). They say that I need to make the complaint to the broker. I am unable to do this as Piccadilly finance are no longer trading.

It was picadilly finance who sold the policies, but southern pacific who provided the finance, for the premium.

The premium was paid via a loan attatched to the original loan(what a mug I was).

 

Where do I go from here

[dj1971]

Taximan,

 

Matters not who sold the policy, your claim is with whoever you were making your monthly repayments to.

 

Personally I would write back to Southern Pacific asking them to reconsider and if they still believe they are not liable to issue this in writing as their final response so you may refer the case to the Financial ombudsman service.

 

Good luck

 

DJ

[taximan14]

Already done that and they are refusing to accept liability, should I fill out the form on the FOS website or should I try asking southern pacific again.

Andrew

[dj1971]

So they have already put it in writing this is their final offer?

 

DJ

[taximan14]

Their latter states the following

"Our investigation has identified that London personal loans was not party to any discussion concerning the sale of the loan or PPI.

The responsibility of the sale rests with the company who introduced you tp london personal loans. we must therefore refer you back to the broker. please note the brokeris not an agent of london personal loans, we are sorry but we are not able to uphold your complaint, if we have not heard from you within 21 days we will close your file."

[dj1971]

They have not said anything about their final offer and therefore you must write back asking them to reconsider or confirm this as their final offer.

 

Until you have it in writing that this is their final offer, you cannot refer your case to the FOS.

 

DJ

[taximan14]

Hi

It seems there is nothing to suggest that this is their final offer, so I will do as you said and write asking for confirmation of this.

When i receive a final offer is the FOS the best way to go about things.

[dj1971]

Is only you can decide which route to take.

 

Your choices are fos which does not cost you anything but will likely take several months due to the number of cases they are handling, or the small claims court provided the amount you are claiming is less than £5,000.

 

DJ