GE Money - 2 mortgages with PPI reClaims - everyone bar GE sold it me!!

[dx100uk]

as post 41

if the PPI policy WAS a separate agreement

and a separate DD

then GE money [iGroup] are the target.

ref post 51

sent them the PPI form mentioned in post 54

[anney63]

I have sent them copies of the form

and still they keep coming back with the same letter

i miust have 6 copies now of the same thing.

 

They just don't answer my points.

 

I sent again yesterday requesting a copy of the policy etc.

 

The single payment was added to the remortgage which was paid off and no refund given.

 

The other one is an interest only mortgage and is still being paid.

 

Both have now finished as were only valid for 5 years anyway.

 

So Frustrated

[anney63]

Well Dx not being one to give in .

 

I have this morning written yet another letter for each claim and drawn their attention to the Easy Loans form with no ticks in boxes

and copies the ppi application form and the underwriting sheet showing payment made to Igroup financial services for PPI a

nd also the agreement form lets see what this brings !!!!

 

All My letters are nbeing faxed and posted so no way can say not received.

[anney63]

Well took advice spoke to FOS

the only way they can help is if I can get the insurers name which is a nightmare

I have requested copies of both policies on 3 occassions now and still no luck.

 

I do know that one is under the name of Cigna

but I need the complete name to be able to move forward as I group did not come under their juristiction in 2002

when the ppi was taken out.

 

Any ideas now !!!

[WAG687]

Hi,Sorry to butt in

 

Cigna's

 

address as follows

 

CIGNA Europe,

1 Knowe Road,

Greenock,

Inverclyde

PA15 4RJ

 

Hope this helps

[dx100uk]

urm..

 

thats useful WA

 

i wonder if it might not be an idea anney to fire the claims at them

 

see what happens.

 

dx

[anney63]

I may do yet

I need copies of the policies which I am having a nightmare getting hold of from GE.

Once I can start down that route.

 

The FOS advised me they may be able to help if they wont play ball.

 

Its really annoying that money has been paid to IGroup Financial Services and yet no policy etc has ever been received.

 

The only way I know CIGNA are involved on 1 of the claims is that they were mentioned in a phone call and their name was on the top of 1 letter.

 

I may even go the CEO route if I get nowhere after my last letter.

 

I feel that the resolution staff just send the same letter and don't even answer my queries or read them.

 

Not giving up easily!!!

[anney63]

Has anyone the address of Duncan Berry CEO of GE . I have an email addres for Mark Elborne who is the CEO of GE Uk Ireland so may go to him. Just cannot get information on these policies. I know that one was with Cigna International but not a clue who the other was with. Surely they should have record of the Policies !!!

[anney63]

Can anyone help with my next step please . !!

[WAG687]

Hi if you write to Cigna, they give you Policy Number and also tell you that your Policy is held at GE at the Watford address.

[anney63]

Brilliant thats what I need proof that they have the policy which has never ever been received by my friend.

[WAG687]

Cigna phone number if you would like it?014750492222

[anney63]

Thanks I have sent a fax this morning and sent recorded delivery.

 

This may be my next course of action but how I go about it I haven't a clue.

 

It still bothers me that payments was made to Igroup financial services.

 

The only mention of Cigna has been in a phone call and at the top of 1 letter.

 

I am not even sure if the second policy was with Cigna.

We shall see.

 

I have requested copies of the policy and terms & Conditions.

 

GE just will not furnish me with copies or policy numbers .

 

I sent my last letter Private and Confidential to David Gurney Customer Experience Director at GE Money Home Lending.

 

Whether it will help who knows.

 

Getting really frustrated with it all.

 

Need all the help I can get

[anney63]

The FOS are advising Insurers route but they have a number of Cigna companies and need the correct one. I am beginning to think a claims company is the best option. Still believe that GE are liable as the PPi form was in the name of Igroup and section 56 of the consumer credit act covers this. So Frustrated with it all !!

[dx100uk]

a claims company has no more powers than you do.

 

and will take +30% of anything you get.

 

dont !!

[anney63]

Day off work today so have been looking at all avenues.

 

Even checked meaning of inetermediatory and look what I found

 

1. (Law) a person who acts as a mediator or agent between parties.

 

GE are adamant that Easy loans was not acting as their agent and the word Intermediatory is the actual wording re Igroup on their web site.

 

"The IGroup brand does not sell products directly to customers. Our products are offered through a nationwide network of intermediaries."

 

Every tiny piece of info will help.

[anney63]

I do understand DX but getting to the stage that my friend would be better getting something rather than nothing.

Its quite a big claim.

 

GE are just not playing ball and sending the same old letter every time.

 

FOS Not able to help as pre 2005 and both unregulated agreements.

 

My Friend does not have cash to go legal.

 

So What next. ??

 

I have this morning sent an e mail to David Gurney at GE running out of ideas !!!

[dx100uk]

GE can be a very hard nut to crack, but they do give in.

 

in this instance, i think you've got them

 

 

dx

[anney63]

Thank you so much DX you're always there to help. I think I may send everything to this David Gurney who is the Customer Experiences Director . Lets see if he answers my mail first. I am happy to start from scratch with him. Or if there is any other avenue you can advise I would be grateful .

[dx100uk]

yes good idea

 

in your email you attach things too

 

simple put the bit about IGroup being GE money

 

let him comment.

 

dx

[anney63]

No response from Mail sent all attachments and sent a copy recorded delivery marke Private & Confidential for the attaention of David Gurney. So just waiting now to see if he responds. Nothing from Cigna early days yet I suppose.

[anney63]

2 Letters received today Both the same just different numbers. Going round in circles I think. The mails were sent for attention of the Director let see what this brings it seems they are back in the same department so don't hold out a lot of hope

[anney63]

Letter recived from Cigna with print outs they have forwarded to GE. If GE had policies why have they never been received and why were they not forwarded with SAR. What do I do now any suggestions or should I just wait for GE's next letter of rejection

[dx100uk]

that first one is pretty damning that GE money ARE responsible.

 

dx

[anney63]

DX100 do you think I should forward these on or just wait as they have reopened the complaint again after I wrote to the customer services director and advised that 26th November is their deadline. Glad of any help with this one I know its going to be a battle:roll: