Jump to content


conchy_joe

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

Recommended Posts

deadline who set that?

 

if that's what the ICO said then id have advised you to immediately write to GP

demanding to know who their underwriters were else you'll start a serious complaint with the ICO in 14 days without further notice


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 

 

Share this post


Link to post
Share on other sites

I wrote the letter to GP but once again no reply.

 

Since I found that doc' showing that Direct Group were the ISP I think that I've overlooked the obvious. Although the copies that GP sent in reply to my SAR show that PPI was charged each month it showed no Underwriter's name,

 

as I was looking through the originals today I see it clearly states PPI Stirling Insurance. I see that Stirling are now part of Covea.

 

I just phoned Covea and they gave me a number for Stirling, Stirling took all my details and confirmed that it was them who underwrote the PPI with Pennington,

 

they also informed me that with regards this matter I should write to Covea at their Kent Address.

 

I have a spreadsheet and template letter all ready to fire off but if Stirling tell me to "go forth " what option would I have.

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

I sent a claim letter to Stirling Insurance which they received on 12th of this month, today I received a reply which I've scanned and attached. As you can see they have forwarded my complaint to " Think Money Group " which is Pennington. As GP have already sent me a Final Response denying liability I would assume that they'll simply repeat what they've previously said.

img20190217_02431673.pdf

Share this post


Link to post
Share on other sites

reply with a copy of the GP letter


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 

 

Share this post


Link to post
Share on other sites

Before I send off a reply to Stirling do you think that I should include that part where I refer to the GISC.

Share this post


Link to post
Share on other sites

well they were certainly regulated yes.

but was it GISC at that time?


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 

 

Share this post


Link to post
Share on other sites

I downloaded a piece from the FOS site ( online PPI resource ) , It states that the FCA/FSA were the regulators from 2005, The GISC from 2001 and prior to that the ABI. As the first monthly charge of PPI on my account was October 2001 do you think it's safe to assume that the GISC rules were in place at that time. I could make a call to the FCA to be completely sure when there rules applied.

Share this post


Link to post
Share on other sites

no you've got it right

GISC was in place and the underwriters would have been regulated by them.

trying pass the parcel me thinks.

 

think there already a few sterling wins here for that period already.

London mortgage/Capstone/Acenden if I remember right

 

dx


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 

 

Share this post


Link to post
Share on other sites

Yesterday I spent a lot of time talking to the FOS and FCA regarding when the GISC first began.

The FOS said that they came into being in Nov' 2001 which would be a month after the first charge

 

when I did some more scratching around I found an article from the National Archives dated 22nd Nov 2002 which states that the GISC was launched in 2000.

 

I have to say that it seems to depend on who you happen to speak to in the FOS, not all there seem to be able to help.

 

But you're spot on regarding pass the parcel.

 

I'll send off my letter to Stirling tomorrow,

I'll address it to the same address as before and not to Covea and I'll ask them why they chose to pass the matter off to GP.

Share this post


Link to post
Share on other sites

This is to put a closure on this thread, and I hope that it helps anyone unfortunate enough to have had any dealings with Gregory Pennington.

 

As you can see from my postings I have been trying to reclaim PPI from these guys, but to no avail.

 

My problem was in identifying the actual underwriters,

I tried chasing Direct Group and a couple of others connected with this particular insurance group without any success.

The answer was right in front of me.

 

Luckily I had managed to find the original monthly statements from GP, or at least most of them.

And there was the name of Sterling Insurance.

Once again I sent off my spreadsheet plus my claim

 

in reply received a letter from COVEA INSURANCE.

It was the standard " we're sorry you're not happy etc " reply and promising an investigation.

That was on 14 Feb',

 

on the 17 April they sent me a cheque which was for about 60% of my claim and a letter explaining their decision part of which states...…...……….

 

" Whilst COVEA INSURANCE plc ( formerly STERLING INSURANCE GROUP LIMITED ) was the underwriter of your insurance policy, we had no involvement in the selling of it. The finance was arranged by Gregory Pennington who also arranged the sale of the policy.

 

We have been attempting to address your complaint with Think Money and obtain the point of sale documents to investigate your issues further, however, we have struggled to get the information, and consequently we have decided to accept your complaint, and on an ex-gratia basis refund the premiums with interest. "

 

So that's it my friends, Another door closed.

I hope that this proves helpful...……….If you've had dealings with GP the chances are that it was STIRLING INSURANCE who underwrote the policy.

Here is the address that I wrote to initially.

 

Stirling Insurance Group

50 Kings Hill Avenue

Kings Hill

West Malling

Kent

ME19 4JX.

Share this post


Link to post
Share on other sites

well done

marked as won.

 

please consider a donation to keep us here

 

dx

 


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 

 

Share this post


Link to post
Share on other sites

I commend you in your persistence conchy_joe 

 

I have tried twice with GP and was told today by the FOS exactly what you stated earlier in the thread. 

 

I have started to raise an online case through Resolver. When I type in Sterling Insurance, Covea magically appears. Would you advise contacting them via Resolver or by letter to Stirling? I am worried about the deadline date on the 29th August. 

 

Also, the letter template and interest wording you used? Do you have any advice? My claim is similar to yours 2001-2008 £16.88 per month. 

 

I understand that a percentage will be offered but anything is better than nothing. 

 

Also. I have all original documentation to hand. 

 

Kind Regards

Share this post


Link to post
Share on other sites

forget resolver

utterly useless for PPI reclaiming.

 

do it properly FOS CQ via the FCA PPI website

 

please create your own topic

by hitting create in the top red Banner

 

dx

 

 

 


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 

 

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...