Claiming PPI after double glazing firm gone bust, GE money financed

[pitz11]

HI

 

I have searched this forum and cant find the answer if its already out there my apologises.

 

My auntie purchased Double Glazing in 1997 from a company called Harmony windows and they added PPI to the loan,

the finance was for 10 years and finished in 22 may 2007, that was the last DD payment

 

the PPI was provided from GE Money, I have all the proof credit agreement etc

 

Harmony windows who sold the PPI policy has gone bust and is no longer trading

 

I have contacted GE money who said I have to contact Harmony windows which i did,

as they are no longer trading i have contacted FSCS

who said the claim is older than 6 years so there is nothing I can do

 

what other options do I have can i go small claims court etc

 

any advice would be really apperciated

 

thanks

[filrobbo]

The window company would not of supplied the ppi it will of come withe the lone.

[filrobbo]

Could you please tell us what it says on the credit agreement or could you scan and show us but please make sure you cover the personal details.

[dx100uk]

typical GE money response.

 

they wriggle and wriggle.

 

if it was GE money on the agreement

then GE money are your target.

 

look at the finance agreement carefully

you may find the name of the underwriter

 

there might be a chance there

 

however, under section 56 of CCA GE ARE responsible for the actions of the sellers

in whatever capacity.

 

as for it 'being statute barred'

 

I cant see the FSCS saying this

they know full well that SB does NOT apply to PPI reclaims.

 

dx

[pitz11]

my apologises i didnt make it clear in my first sentence

 

thanks for quick response

 

Im fully aware that harmony windows didnt supply the ppi or loan as they are a double glazing firm,

 

 

harmony windows used ge money for their finance they offer their customers,

they arranged it all on a home visit and used ge money to offer credit

and also ppi was included when selling the windows.

 

my auntie signed a credit agreement which was with first national bank as it is there logo

and paperwork on the credit agreemnet, its clearly a credit agrement with them

 

and the signature on the credit agreement clearly shows

 

signed on behalf of first national bank

 

in my eyes this policy was sold by first national as its there credit agreement.

 

hope it all makes sense

 

currently not at home but can easily scan document to show exactly what was signed

[pitz11]

thanks for the reply fscs said exactly that they cannot investigate because of the agreement was signed before 2005 and it doesnt meet the guidelines

 

im still stating that ge money authorised someone to sell on there behalf, on the paperwork it states insurance policy underwriter: Bennett gould and partner, which is a solictors firm

 

do i have a case

[dx100uk]

don't worry

we are well aware of the very tangled web surrounding GE money

loans.co.uk

first national bank

 

and all the others

 

never seen BGP before though

you certainly have a case

 

what I suggest is type in first nation in our search top right on the grey toolbar.

 

there you will be able to see the other stories.

 

that should answer many questions

 

then comeback here.

 

what the fscs actually mean is its not covered by them as it was signed before 2005

when there jurisdiction began

 

doesn't mean its a lost cause.

 

dx

[Hortz]

The window company would not of supplied the ppi it will of come withe the lone.

 

They wouldn't have supplied it (i.e underwritten it) but would have been the seller therefore the target for any complaint

[dx100uk]

under section 56 GE are responsible for the actions of seller or any any agent.

 

might end up at the underwrites but there are numerous early PPI reclaims already through GE,.

 

dx

[pitz11]

Hi

 

Thanks for the advice

 

I have searched the forum and have found that another person had the same problem with cold seal(window company who have also gone bust), and they were advised to complete a fos questionnaire and a spreadsheet of claim.

 

I will complete the fos questionnaire and the spreadsheet of claim,

 

Is this the right option I am taking

 

Thanks for the advice

[dx100uk]

sounds good

 

dx

[pitz11]

Hi all

 

got response back from ge money

 

i have scanned the letter to show you their response

 

any advice would be apperciated

 

thanks

[pitz11]

Rescanned image as it was too small

 

thanks

[dx100uk]

and in your opinion sec 56 does apply as without the goods, there'd be no need for the ppi.

 

 

might be an idea to try the insurance under writers you mentioned

 

 

pers i I'd be writing back to ge

pointing out 'your' opinion and telling them

as they full well know the fscs were not set up when the ppi was taken out.

 

 

so Ge how do I get back the PPI you spoofed out of me then?

 

 

wriggle wriggle.

[NotPPIsavy]

I had the same problem with First National then GE Money Lending who gave their final word

- NO - as they are not responsible.

 

 

However, they gave me the Window company's Administrators who are now in charge of that company.

 

 

Perhaps you ought to ask GE Money who are the Administrators for that window company

and write them a letter, and if that fails send the questionnaire to fos.

[pitz11]

thanks for all the replies

 

I will contactboth the Ge money and the fos.

 

If that doesnt work I would you think a online small claims would by my last resort because after that I dont really know what options I have left

 

Thanks

[NotPPIsavy]

I hope you will have better luck than me.

 

 

FOS said they cannot help because its over 6 years,

and also because the company concerned went into administration

and the administrators are not in their remit.

 

 

However, they asked me if I want to ask the insurers with whom the insurance policy was with,

and see if they can help or finally write to Finance Leasing authority.

 

 

GE money point blankly refused saying they are not responsible

and sent me FLA address details to write to. It took 2 years to find out this.

[dx100uk]

6yrs ..does not apply to PPI.

 

 

dx

[NotPPIsavy]

Thanks, but that's what FOS told me. I took out the loan to get windows done in 2004 Sep. I have not given up yet. Will write to the insurers, whom I believe is the Cardiff Pinnacle. I have seen somewhere on this site about them. I wonder if anyone had any luck with them.

[dx100uk]

the fos did not tell you as its more than 6yrs old you cannot claim!

prob said as its from 2004 they were not regulated by the FOS at that time

 

 

 

 

dx

[NotPPIsavy]

Hi Dx thanks

- The lady I spoke to at fos did not seem to know much , a

nd when I asked her to explain

- she said its not within their remit and kept asking me to hold so she can check with someone else.

 

 

At the end of it she said write to FLA.

 

 

So I am back to start again with the insurers first and then FLA.

[dx100uk]

opps not your thread either...naughty

 

 

dx

[pitz11]

Tried Fscs and were no help,fos also said they weren't regulated at the time so no joy there either.

 

I will write to underwriters who are a solicitors firm and also ge money asking how do I claim back ppi then.

 

Also notppisavy did you write to Fla. and if so what did they say

 

If still no luck would small claims court be last hope

 

Thanks

[pitz11]

Cheers

Edited November 22, 2013 by pitz11

[NotPPIsavy]

Hi pitz11 - FLA is my last resort. Will write to them if I have no response from the insurance company. will update as soon as I have any news.