Audi PPI claim

[JadeSimone]

H Againi,

 

Just started another thread for another claim ppi claim I am making. I recently started a claim against Audi as I believed that I had had a ppi with them but couldn't at first find the old documents. Over the years I had bought two cars from Audi.

 

Anyway, just over a week ago I sent the SAR to Audi who had previously refused my PPI claim saying I did not have ppi with them. It was an odd thing since I managed to find all the paperwork, account numbers etc. Anyway, I have received all their documents and find that I did have PPI with them after all on my second car and not the first. At the time I was recovering from a surgery I had had several months before. The sales guy had encourage me to buy the ppi given my recent illness. I have since found out that I would not have been able to make a claim as it was a pre-existing illness. I'm not not so sure how to reply to them now. Do I need to resubmit my ppi claim form to them again? or Is there a template that might help me demand that they now pay me back what ppi they have? Could someone also help me work out how much money I may be entitled to claim, they took monthly payments of £19.99 for the 3 years I had the car.

 

Thank you in advance!

-JS-

[ims21]

Hi

 

Can you scan up the agreement minus all personal information and I'll help you with working out your claim.

 

It is incredible how these companies deny you had PPI when it is crystal clear on the papers that you did.

 

ims

[JadeSimone]

Hi Ims, Thanks for your speedy response. I'll scan and upload later this eve as am on way out now. Thank you again!

 

-JS-

[JadeSimone]

Having probs inserting pic

[JadeSimone]

[JadeSimone]

Hello Ims,

 

Can't seem to insert my scan image, is there any other way I could get the information to you to help me work out what's due from Audi?

 

thanks

-JS-

[ims21]

Hi

 

Try this method

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

 

(thanks to dx100uk)

 

 

If not you can type the financial information in a post here.

 

ims

[JadeSimone]

Thanks, I'll try again after work.

[JadeSimone]

Hi

 

Another busy week. Received a further response from Audi a couple of days ago. They state:

 

" The policy was taken out by you through Finchley Road Audi. Insurance business is introduced to Volkswagen Financial Services via the retailer network, which consists of independent businesses, both in terms of ownership and Financial Services Authority. The Financial Services Authority (FSA) dictates that the misselling allegations should be taken up via Finchley Road Audi. However, I can confirm that Finchley Road Audi have ceased trading and therefore we will endeavour to respond to the issue raised... Volkswagen Financial Service (UK) Limited (VWFS) has never insisted that payment protection was a compulsory part of the provision of credit. However, the retailer is not within our group of companies but rather they sell our branded vehicles under a franchise granted to them by our importer Volkswagen Group...."

 

They do go on to say I could have cancelled the PPI at any time. The essence of this letter is in effect saying to me that this is not their responsibility because of a franchise. Does PPI misselling not include franchises?

 

-JS-

[ims21]

They also say that they will attempt to respond to the issues raised. I should think so...it was they who took your premiums, it was they who had the benefit of your money and it was they who earned profits on it.

 

The fact that franchises sold the product as agents is irrelevant.

 

You claim from whoever you paid the premiums to.

 

Regards

 

ims

[JadeSimone]

Thanks or your response Ims, I think this is one I'll have to take to the FOS as they ended their letter with, this is their final response. I'm away for the weekend but will write tomorrow to get help with working out how much they owe me. Thank you again!

 

-JS-

[ims21]

Yep....final response so fos can take it on...Or of course you can sue.

 

Have a good weekend

 

ims

[JadeSimone]

Hi,

 

I have finally received a response from HR Owen since I resent my questionnaire to them on the advice of the FOS. In looking at the information they have sent although some personal info maybe correct, the car registration is for another car altogether. I am about to send all paperwork to the FOS but want to attach a strong letter stating why I reject what HR Owen have said. They have basically said that they felt the ppi was necessary based on the answers I gave them from questions asked by the salesman - a form which he filled out online - despite me informing him of having previous illnesses - they also say I should have read the terms and conditions etc. when it was sent to me . I would appreciate a sample letter or point me in the right direction to arguements that would strengthen my case.

 

Thanks!

-JS-

[ims21]

There won't be a template.

 

All you need to do is get all of the papers together and send a letter in your own words to fos which explains everything. Enclose copies of all correspondence

 

ims

[JadeSimone]

Thanks! I thought that might be the case.

 

-JS-