ppi claim...Freedom finance/bespoke(karakus)/gemoney!!

[kayes81]

Hi newbie here,

Hope somebody can help with my plight,

 

In November 2005 we took out a loan through freedom finance for 15k, for debt consolodation,

 

Everything been running fine,

 

September 2011 an official looking letter arrived out of the blue from the FSCS,

( well a company acting on their behalf Deloitte LLp)

 

The letter went on to say we believe you took out ppi with wilmslow financial services plc formely freedom finance.

 

The more I read the letter the more I convinced myself that it had been sent to us in error,

as we knew nothing of ever having PPI on the loan, the letter was put in the drawer and dismissed.

 

in November we had a financial advisor visit us to see about getting cheaper morgage deal,

out of curiosty I showed the man this letter, and he was kind enough to shed light on the situation and also helped me fill in the paperwork,

and we then sent it off,

 

after a number of months of repeatedly sending forms and phonecalls we had a letter from Deloittes ( acting on behalf of FSCS)

explaining that their investigations had shown that bespoke finance had arranged the ppi and as they are in gibralter it was therefore out of there jurastiction,

they'd done all they could do.

 

In April I decided to try again on my own, downloaded forms from internet, filled in but this time sent them to ge money ,

 

Backtracking a little here during the deloitte saga we rang ge money and asked them if we had had ppi on the loan and they said no,

but when they sent copies of the credit agreement out

 

it is written on there in black and white!!! Confusing!!

 

So back to the current, I sent forms off to GE money they replied saying there final answer was Yes they borrowed the extra money for the ppi

but they had nothing to do with the ppi it was arranged through bespoke,

and then gave me a booklet for the ombudsmen to whom I have just come off the fone to,

 

he said I need to find out who the underwriter was, advised ringing freedom!!!

 

all phone numbers no longer recognised..

 

.So now what can i do???

[dx100uk]

who did you pay your money too?

 

they are your target

 

there are several threads running about ppi wth this group of cohorts

 

one of which is:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?320594-Ge-money-freedom-bespoke&p=3569689&highlight=freedom+finance+ppi#post3569689

 

dx

[kayes81]

Hi, Just rang Ge money, as they are the firm that loaned us the money, and even thought prior to this when weve asked them if we had ppi they said No, they suddenly have info abt whom the underwriters were, Cigna international, adressed to scotland

Id never heard of Bespoke till recently and Cigna is defo a new one on me, have all original loan docs, not one document with either of those names on!!!

[dx100uk]

sorry but you really need to stay off the phone.

 

writing only for a papertrail

 

GE will do anything to put you off the scent.

 

your claim is SQUARELY with them under section 56 of the CCA Act.

 

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.

 

 

dx

[kayes81]

So in simple terms I should have them put it in writing??

[dx100uk]

still a rouse to put you off.

 

ignore the excuses

 

use sec 56 and go get 'em!

 

do the FOS CQ + SOC & a covering letter.

 

leave the no room to wriggle

 

dx

[kayes81]

Hi is there any links to more info, as im very blonde, and things go ova me head..lol

[dx100uk]

type any of the names you mention

into our search top right

and read some thread related to them and PPI reclaims.

 

the more you read the stronger we become.

 

dx

[jaypope]

interestingly i had forms sent to me recently from the FSCS.

 

They are in connection with WILMSLOW FINANCIAL SERVICES - FREEDOM FINANCIAL

 

 

Trouble is ................. i have no idea who the loan was with, as lots of paperwork got lost during my marriage break up and house re possession

 

what can i do?? obvoiusly the FSCS know but they wont tell me !

[dx100uk]

probaly one of yours

 

go get 'em!

 

dx

[FANTASY CHARGES]

any update on this thread ?