Jump to content


  • Tweets

  • Posts

    • I will revert back if i get paid the £321.00 
    • so from august 2019 till june 2020, when harvey's went bang, you did nothing to chase this up? then you wrote your first letter to creation, the finance company?   sorry i must say this story is getting mighty confusing..for want of a different word.    so how did this ultimately end in benson's getting involved?
    • I called the hermes help desk to see if they had done anymore to locate my rather large parcel, this was after submitting the online claim form. He told me they there was no chance of it being found.   I asked  if i am covered, he spoke to the claims department and came back and confirmed it was covered including the shipping cost of £21.00 so £321 would be paid back.    Nothing formal from the claim team in writing so far.        
    • It was The repair team that do work for Harvey’s. They had to come out three times in the space of four months. After the last visit in august 2019 Harvey’s contacted us to say they would replace the sofas
    • If you can spend some time reading around the threads here as I've already suggested, you will understand what we have to say about the so-called insurance cover and how it is unfair and unenforceable. Please familiarise yourself with this. Have they actually agreed to pay out on the insured value? Not only should you have the value of your lost items that you should also have the cost of the delivery as well as the insurance back. They don't care about losing a lot of business. They've got a huge amount of business and although they are the most complained about courier company in the country, I expect that 98% of their deliveries are successful. Of course when you talk about the remaining 2% of millions – it still ends up with a lot of loss parcels. The really disgusting thing is how Hermes then deny liability and try to force people to accept their losses. Most people give up but people who come here normally get their money back – but in your case afraid it does depend on the correct declared value
  • Our picks

GE Money PPI refused by PPI claim handler.


Please note that this topic has not had any new posts for the last 2499 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

I was on here some months ago (Jun '13) trying to make a PPI claim from a secured loan/mortgage taken out in 2002, £10k + £1.6k PPI with GE Money.

 

The account went into arrears in it's lifetime but last year it was paid off. So charge has been removed from Property.

 

GE Money refused our complaint, saying that Greenhill Finance introduced the loan.

 

Greenhill Finance response on 28/06/13 was that the mortgage was arranged with I group loans ltd.

They then go on to say the loan was pre 2005 so no FOS remit etc.

 

because I felt we had hit a brickwall I attempted to instruct Emcas to deal with it,

thinking that left to me we would get nothing so at least we had a chance of getting 60% back.

 

they refused because they said a payment plan was set up in the lifetime of the loan

and that therefore if they won any monies, GE money would retain it and we would be left with a fee for Emcas.

 

This doesn't ring right to me.

Why would GE money keep any money?

 

So I am thinking about instructing another PPE claim firm but need to clarify we wont end up out of pocket.

Many thanks.

S

Link to post
Share on other sites

If the loan is paid off and there is nothing due then any refund of PPI will come to you.

 

What do you think that a reclaim company can do that you can't?

 

If your decision letters were more than six months ago then you would be out of time to refer to fos anyway, even if they could take it on.

 

Di you check with fos that what you were being told was true?

 

Who actually sold you the PPI?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

No I never did refer to FOS, never believed it would count - have I potentially jeopardised this claim?

 

igroup loans limited is at the top of the Credit Agreement and it was them that we believe sold the loan, not Greenhill Finance.

Link to post
Share on other sites

It wouldn't hurt to give fos a call to see but as said, even if they could have taken it on you are possibly out of time. Have a chat with them and see.

 

Whilst I Group may be on the top of the agreement it is probably not them who sold the loan to you. Did you have a rep come to your home? Is there any mention of an agent on any of the paperwork you have?

 

If you believe it was Greenhill that sold you the PPI then it is they who you should go after.

 

What were the circumstances of your getting the loan. i.e. the process you went through.

 

By the way, IGroup are GE Money.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

ref 6 month time scale I've just found this:

 

from http://www.financial-ombudsman.org.uk/publications/technical_notes/six-month-time-limit.htm

what if the "final response" does not mention the six-month time limit?

 

If the final response was issued after 1 December 2001 and does not mention the six-month time limit, then the limit does not apply, irrespective of whether or not the financial business wishes to object.

On the greenhill finance final letter is just says it's outside of the FOS remit.

On the GE money it says again that it falls outside the FOS jurisdiction. It does say however about complaining to Finance and Leasing Association within 6 months, which I never did. Infact I don't remember reading that otherwise I probably would have done. Anyway, it's outside of 6 months now.

 

 

 

? Is it worth a call to the FOS?

Link to post
Share on other sites

Nothing ventured, nothing gained.

 

If they refuse on either basis that the time limit is up or it was outside their remit anyway then it would seem that your only option would be to sue for your money back.

 

What are your reasons for believing there was a mis-sale?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

Loan was taken out over the phone, nothing face to face, documents in post.

Igroup is at the top of credit agreement,

Greenhill Finance apparently introduced,

There is what looks like an application form with a logo TLC in the top right.

 

PPI application is on igroup paper with TLC written in the introducer box. So I guess i group sold the PPI.

 

Reasons we believe loan was missold (from complaint letter):

- I was led to believe that my application for credit would be rejected if I did not take out the insurance.

- The policy exclusions were not explained to me either before or at the time I took out the insurance. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me.

- I now believe the insurance was unsuitable for me as I was suffering from depression at the time I took out the policy and was not made aware of the specific exclusion which relates to pre-existing medical conditions.

- It was not explained to me that the policy premium would be paid upfront as a single premium and would be added to my debt and attract interest.

 

Thanks

Link to post
Share on other sites

Which company was the phone call with?

 

IGroup (Now GE) generally did not sell their own product so this is looking more like Greenhill.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

I today spoke with the FOS.

 

They are unable to help. They checked their database and will only take on GE Money cases post January 2005. They referred me to the FLA, which I've probably left it too late for. I will give them a call tomorrow.

 

Thanks.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...