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conchy_joe

Gregory Pennington DMP charged me PPI **WON FROM STERLING GROUP**

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match it to your sar info??


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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On the ISP/PPI sheet it shows..

Provider... Direct Group ISP DMP (+£100 6.15% with 12.0% IPT ).

There is no start date but a cancellation date of 20 June 2018.

 

My SAR was dated 29 MAY 2018 and the data was sent to me 25 June 2018.

I also read a post by Hippyminky ( 15/11/2011 ) in which she refers to a policy that was underwritten by Sterling which is now Direct Group.

.at the time GP said that the sale of the policy was prior to reg's which came out into force 14/1/2005.

 

I did a search and found that Sterling were bought by COVEA who will run Stirling as a separate business.

 

The French insurer COVEA holds it's UK subsidiaries through MMA Holdings Ltd.

It's MMA who will acquire Sterling.

 

The article says that Sterling sold £155.1M in PPI & insurance in 2014.

So it looks like this Sterling is the one that underwrote the PPI for GP.

 

Given that Direct Group is on the Doc' sent in the SAR who do you think I should make my claim with......Start with Sterling and see what happens ??.

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yes


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I wasn't sure whether it really was Sterling who underwrote the policy so I phoned greedy pennies and they told me that it was Direct Group. I got their head office address and sent a claim letter with spreadsheet ( the GP one but with Direct Group named)...I gave the GP acct ref # but titled it " policy sold by GP ".

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I received a letter from GP today...

They refer to the letter ( claim ) that I sent to Direct Group re' mis-sold PPI.

 

I've scanned this letter and also the final response.

 

Direct Group underwrote the policy and yet they sent my claim against them to GP.

 

This is starting to look like a cover up.

img20180923_01313855.pdf

img20180923_01340297.pdf

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removed the welcome/aviva one.

merged posts too.

 

 

there is no such thing as a 15yrs rule under the limitation act..total bowlarks.

 

its 6yrs and it runs from when you became aware you had ppi, so i'm not sure whos playing what games here.

 

the underwriters ARE responsible for the reclaim the were regulated under GISC and ABI, so me think you need to write back to both outlining the above.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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that's ok

now as post 31


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks, I'm struggling to think of how to word the letters, it's going beyond the usual stuff that I write. Is there anything in our library that could help me put this type of letter together.

 

With regards the six year limit...

It states that you can claim back Six years from when you could reasonably have discovered that you were a victim of mis-selling..what if they say " it was clearly shown on your monthly statements, why have you waited until now to claim ?.

 

dx..Here is a rough draft of my letter to Direct Group, does it look OK to you.

img20180923_10320376.pdf

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having consulted the FOS , I see you were regulated at the time of my agreement and your were required to operate under those regulations which you appear to have failed to do in my instance.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks dx, I've incorporated that in my letter which I'll post tomorrow...minus postscript.

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What he querying?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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That's exactly what I thought, After GP knocked me back I claimed against Direct Group and GP came to their defence, then I wrote a Letter to DG and CC'd Pennington and now RIAS have stuck their nose in..is this all smoke and mirrors.

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so if they are not the under writers then who were please..hiding again..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I think they are trying to find out what I have that will put them in the frame...The letter from RIAS which " concerns " them is in fact the letter that I wrote to them and yet they are asking me what information I received in this letter ?? it just doesn't make sense. They're looking for a phone number so that they can have an off the record chat and try to feel me out. Do you think that they have overlooked the fact that I have the ISP/PPI doc'.

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actually I wonder if the cat has been let out the bag here

and these were the underwriters and they wanna know who dubbed them in??

 

so write back stating you will only converse by letter as if further investigation needs to be carried out by the FOS , you will have no papertrail to reference.

 

so what information are you after please

 

might be an idea to start digging into Co histories here too

as id expect you'll to find links between all three but that history is years old now so probably immaterial now


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I just checked the GISC and Direct Group were incorporated 22/1/90 and are listed as active they are a plc. Also I was looking at the letter from RIAS and happened to notice at the foot of the letter the following...…………….Direct Group Limited. Registered in England and Wales ; No 2461657. Registered Office ( the one I wrote to ), Authorized and Regulated by the FCA. All calls recorded etc. It's so faint that it doesn't show on the scan that I uploaded.

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rias are car insurance..someone giving you the run around?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Yeah, smoke and mirrors. I'm thinking that I write to Direct Group informing them that my correspondence was addressed to them and not a car ins' company and that they should issue a response to my claim by 29th ( deadline date ) or I will put the matter in the hands of the FOS...what do you think ?.

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Today I phoned the FOS regarding the situation with GP and Direct Group,

they said that as the policy was sold by GP and because it was sold In 2001 GP cannot be held at fault as they were unregulated at the time.

 

They also doubted whether Direct Group could be held responsible because GP had admitted it was them who sold the PPI.

 

I then phoned the FCA who said that I could go down the Plevin route as this was not about the actual selling of PPI but rather about the premium charged.

 

So I'm going to write to GP and ask them to investigate my complaint under the Plevin ruling.

 

Is there a template letter regarding a Plevin Complaint.

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true but plevin typically is a lot less than a PPI claim, you only get back the hidden commission GP paid.

 

strange comment by the FOS, every 'creditor' admits they sold PPI, its on their agreement, but if or not you can go after say the underwriters has no nowt to do with any admittance by the 'creditor'.

 

doesn't change the fact the underwriters sold the package to the creditor, and would have been regulated under GISC or ABI undoubtedly.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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What knocked me back was the FOS saying that they doubted that they would be able to give the conclusion that I wanted. Do you think that I should stick to my guns and wait until the deadline passes then lodge my complaint with the FOS re' Direct Group. In the event that I get no joy with the FOS would I still be able to go down the Plevin route.

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you cant have both, so doesn't matter eitherway.

 

if the reclaiming of the sums you paid for PPI eventually doesn't get you anything...

THEN you go after a claim under the plevin rule after the secret hidden commission the original creditor paid to whomever sold them the PPI package.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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OK thanks I'm clear on that now. Just one thing, would it help if I knew for sure just who did the underwriting for GP. The reason I'm asking is that the ICO said that if I asked GP who underwrote the policy they have to tell me. does that make sense. Also the deadline for Direct Group to give a response is 29th of this month, should I wait or lodge a complaint before that date.

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