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Took a secured loan + ppi with First National bank in 1991.


- Paid loan off in 1998.


I have all the paperwork.


Made a ppi claim in 2014 GE Money (who took over First National Bank).


GE Money said they had no records, so no case.


Took complaint to Ombudsman.


Eventually the Ombudsman said they cannot enforce the claim as loans only became regulated in 2007.


Is this correct? Surely miss-selling is miss-selling?


Ombudsman said ‘first national bank’ were not on our ‘voluntary’ list at the time the loan was taken out.


Ombudsman have suggested i try and find out who the insurance company were that underwrote my ppi policy? any ideas anyone?

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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