Forthright finance creditcare PPI advice please

[mg_phil]

Hi Dx100uk

Thanks for help ,does this mean BOS are responsible for the ppi ,i had a response from Direct car in the form of a one sentence letter.(we are not the respondents in this case.)

Should i just ask BOS to reconsider their decision as i feel they have note acted with due regard to section 56 of the CCA

[dx100uk]

no demand

 

copy in the sec 56 info

 

dx

[mg_phil]

Thanks DX i will draft a letter and post up before i send it,is it normal to be given the run around ?

thanks

[dx100uk]

YES!

 

dx

[mg_phil]

What do you think

 

For the attention of…………..

Thank you for your letter dated 23/5/2012 the content of which is noted.

You have stated that you are not responsible for any concerns that I may have with mis-selling of the policy, however, may I draw your attention to Section 56 of the CCA below for ease of reference

CCA section 56.

— (1) In this Act “antecedent negotiations ” means any negotiations with the debtor or hirer—

(a) conducted by the creditor or owner in relation to the making of any regulated agreement, or

(b) conducted by a credit-broker in relation to goods sold or proposed to be sold by the credit-broker to the creditor before forming the subject-matter of a debtor-creditor-supplier agreement within section 12(a), or

© conducted by the supplier in relation to a transaction financed or proposed to be financed by a debtor-creditor-supplier agreement and “negotiator ” means the person by whom negotiations are so conducted with the debtor or hirer.

I await a more favourable response , if however you continue to state that you are not responsible then please provide evidence as to why the agreement is not bound by Section 56 of the act,

regards

[mg_phil]

Need some advice i think this is a lost cause.

So to update on my PPI claim

 

Forthright finance owned by BOS claim they did not sell the PPI it was the Car Garage who sold me the policy's so it was not their problem and i should submit my claim to DCF where i bought the car,

Wrote to ACF whom now own the garage where direct car finance traded from and they say DCF went into receivership and they bought the name from the receivers " Price water-house and cooper" and are not responsible for the miss selling of the policy as they did not own the company at time of sale .What does anyone think do i give up on this?

[ims21]

Is your agreement regulated by the Consumer Credit Act 1974?

[mg_phil]

Yes i think it is on the bottom corner it says this is a HP agreement regulated by the CCA1974 sign only if you want to be bound by it.

[ims21]

OK so we know S56 applies then.

 

(Note to self - read the thread first)

 

So have you approached BoS with the S56 stuff? I see it has been mentioned before but not sure whether you have approached them with it?

 

If you go to fos they may not take any notice of S56 because recently they seem to be making things up as they go.

[mg_phil]

Hi

Yes i sent them the letter as above but they just seemed to ignore it .I phoned their complaints department and they informed me as far as they are concerned they are not responsible and have closed the file, And their last letter informing me to take it up with the Car garage is their Full and final response

[dx100uk]

then you need to specifically ask them WHY

 

they think they are NOT coverd by sec 56 of the act that they signed.

 

dx

[mg_phil]

how best do you think i should approach this ,as they just ignoring my letter

[dx100uk]

FAO a named person

 

Dx

[mg_phil]

BOS are just ignoring my letters advice as to what to do next ...please

[malcold10]

Don't know what values to put in which box's

 

 

 

Hi I am in a similar position with Forthright finance. I have sent off letter and am awaiting a response. Have you had any luck with them.

[mg_phil]

Had another letter from BOS but they are sticking with they didn't sell the policy,i have approached the FOS and they suggested i pursue the underwriters of the PPI (st Andrews Insurance in this case) FOS have suggested to me that the case is a 50/50 due to time but i have put the claim with them. so i don't expect to here anything positive.

[malcold10]

BOS are just ignoring my letters advice as to what to do next ...please

 

 

Thanks for your help....I will contact BOS, as I had written to Forthright at their Chester address.

 

Regards