Help with a PPi claim G E Custom finance

[ims21]

Hi

 

Dropping in as requested by CB

 

Very odd looking agreement as regards the insurance goes. Looks like you were paying £19.33 per month for some type of insurance but it doesn't say what type.

 

Have you got any other documentation for this HP at all?

 

Even if it is not PPI, it is still an insurtance whoich could have been mis-sold and therefore reclaimed.

 

Do you have the written settlement statement when the account was finally closed and terminated?

 

ims

[ims21]

Hi

 

yes the rest of the wording may be of interest

 

ims

[ims21]

Hi

 

OK so its PPI then and if you didn't want it or request it then it has been put on the account without consent and has been mis-sold.

 

Go here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011(1-Viewing)-nbsp

 

and grab the forst spreadsheet (StatIntV101.xls) and complete it listing the date of the payment, the description (i.e. "PPI Payment") and the amount of £19.33 for each normal payment you actually made.

 

As the payments would have stopped when you settled the loan and the entire premium wasn't added up front it would seem that this is just a regular payment PPI so you would stop the entries at the date you settled the account.

 

When you have completed the sheet, the green box at the top will give you a claim amount.

 

Go along to the fos website and download the consumer questionnaire and complete it.

 

Send a copy of your spreadsheet and the completed questionnaire to the lender together with a brief letter requesting the refund.

 

Lets see what they say.

 

ims

[ims21]

Hi

 

It would seem that yes it is GE Money.

 

Have a read here as there is a lot of information in the thread although sadly the OP didn't come back and finish it off

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?115991-GE-Custom-not-playing-Ball/page4

 

ims

[ims21]

Hi

 

GE can be a toughie but as you say, you have nothing to lose and keep at them. Don't cave in at the first refusal.

 

ims

[ims21]

ok have had a letter back off GE Money basically saying that they are unable to locate an account on their systems and as they do not sufficient info to respond to my complaint they we be marking it closed on theie records.

 

If i have any new info that might enable them to locate an account i should send it to them i originally sent a covering letter and the spreadsheet and the fos questionairre i do have the agreement here should i resend all this again with a copy of the agreement.

 

TTS

 

So they are trying to wriggle then.

 

Yep send them a copy of the agreement and, if possible, a snapshot of the payments you have made.

 

Strong letter saying that it clear from this evidence that PPI was paid to them and you want it back.

 

ims

[ims21]

On a regulated agreement their "approved Introducer" acts as their agent and S56 of the Consumer Credit Act could be helpful to you by challenging them yourself in the first place.

 

If your agreement is regulated tell them that you will be using S56 if this goes further and it squarely puts them in the frame for the conduct of their agent/broker. You can also tell them that should you need to take this further you will be backing your complaint up with this whether it be to fos or via the courts.

[ims21]

As they were regulated by the FSA I would make a phone enquiry of fos first to see if they will take the case.