Welcome: 'i Don't have a valid PPI complaint'?

[dx100uk]

Open

[craigten]

After stumbling across my paperwork for this, I bumped my last email to Aviva on this and got this reply today:

 

Dear Mr xxxx

 

Thank you for getting back in touch with us about the sale of your Payment Protection Insurance (PPI).

 

I’m sorry to advise that we have not received your questionnaire; in any case, I have taken a look at the documents you sent us on 26 August 2019 and these offer enough information for me to draw a conclusion.

 

Unfortunately, Aviva is not the correct business to investigate your complaint and we’re unable to assist you in this matter. The available information shows that your policy commenced on 19 May 1998. Neither Aviva nor any Aviva subsidiary company was the underwriter of Welcome Finance PPI at that date.  I do not have details of the underwriter but this information will be available from your policy document and/or your finance agreement.

 

In conclusion, you will need to redirect your enquiry to the appropriate underwriter in the first instance. They will then investigate your concerns and issue you with their final decision.  

 

Any enquiry regarding undisclosed commission should be directed to the company that provided the finance. As we are not the underwriter of your policy, we do not hold this information. This stance falls in line with the Financial Conduct Authority’s (FCA) most recent statement which set out their view on the impact of the ‘Plevin v Paragon Personal Finance Ltd’ case and how firms should handle complaints relating to the amount of commission the lender received.

Once you’ve received a final decision from the responsible business, you may have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of that final decision. If you do not refer your/their complaint in time, the Ombudsman will not have permission to consider it and so will only be able to do so in very limited circumstances.

 

A link to their leaflet is as follows:

 

http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm

 

Or, alternatively, they can be contacted at:

 

The Financial Ombudsman Service
Exchange Tower

London

E14 9SR

 

Their e-mail address is complaint.info@financial-ombudsman.org.uk.

 

If you would like to receive a copy of this letter by post or if you’d like a paper copy of the Financial Ombudsman Service leaflet, please let me know.  

 

To clarify, in the event that you choose to make a complaint to the Ombudsman about Aviva or any Aviva subsidiary company, we will ask them to dismiss the matter on the basis that we have no responsibility for the sale of this policy.

 

I hope this letter explains Aviva’s position and I am sorry that I cannot assist you further.

 

Yours sincerely

 

Daniel Cheeseman

Complaint Specialist

Aviva UKI

 

Just bumping this to ask - I thought we knew that Aviva were the underwriters?

 

Hello all. 

Please could I have a hand with this as I'm not sure where to turn next?

[dx100uk]

as in post 1.. Aviva as did welcome... are wrongly assuming you are trying to reclaim the hidden commission they got paid for selling the PPI under a Plevin Claim.

 

you are not ...you are reclaiming the monthly PPI portion of your payments made to welcome that you paid under the agreement that they paid their insurance underwrites that eventually became part of Aviva.

 

your mistake was i believe forwarding on this 'welcome PDF' you indicate when no-one said to do that, just the FOS CQ and a copy of your Statint sheet.

 

Posted August 31, 2019 · IP 

Update:

Upon sending my complaint and Welcome PDFs to Aviva, they sent the following email:

 

 

[craigten]

Got it. Damn. Thank you!

Can I be pointed to a statutory interest template anywhere, by any chance?

[dx100uk]

On 27/06/2019 at 01:43, dx100uk said:

bang shot yourself in the foot

why did you mention PPI in the sar request?

looks like you still paid for ppi. {£236.03}

unravelling the crap in the letter

it looks like you can make a PPI reclaim directly to welcome

even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be 

you had a loan of £2269.44 of which 236.03 was PPI

ppi/loan*100=ppi%

236.03/2269.44*100=10.4%

anything you paid 10.4% of it was for ppi

statint sheet time

 

 

[dx100uk]

Open

[craigten]

Hi again, had a bit of time to get back to this and was wondering if someone could comment, please.

To recap, the attached PDFs show that Welcome say they cancelled the various policies (PPI, Warranty, Collision Call and  Shortfall extra insurance) but can I verify what it looks like to me on the Payment History PDFs - that they didn't actually cancel them?

Apologies.
Here you go...

 

welcome sibel ins list + loan statements.pdf

[dx100uk]

no you are going around in pointless Circles here again, i suggest you re read your thread from post one.

this was a loan for a motor vehicle, ALL the various motor insurances were refunded to you within 1 month of the loan take out in 1998.

however the actual PPI for the loan itself was not refunded (£236)

you wrote to aviva as they were the underwriters , to get in before the PPI cutoff deadline.

they wrote back ASSUMING you were trying to reclaim the COMMISSION welcome got for selling you the PPI INS on behalf of AVIVA, they replied stating that they were not the ones the received the commission, but that you should direct your enq to welcome, as they got the commission.

you are not reclaiming commission, you are reclaiming your actual PPI £PCM payments that went each month to aviva.

they are you target, so you need to send them an FOS CQ and a suitably completed STATINT sheet detailing your claim, all of this and how to do it was detailed earlier years ago.

dx

[craigten]

Thank you and sorry for not understanding. I appreciate your patience.
OK, I will get done. I have downloaded the STATINT sheet but am having trouble determining how to correctly complete - looking at the payment records, it does indeed show payments but not any breakdown of payments for the actual PPI?

 

Please don't get too angry about this, for some reason I have a blind spot for this kind of thing.

[dx100uk]

On 27/06/2019 at 01:43, dx100uk said:

you had a loan of £2269.44 of which 236.03 was PPI

 

so ppi/loan*100=ppi%

 

236.03/2269.44*100=10.4%

 

so anything you paid 10.4% of it was for ppi

 

Use the statint sheet 

 

Enter at each payment date 10.4% of that payment as ppi

The sheet does the rest

 

 

[craigten]

Thank you. I have started the s/s. Question - doesn't it say on the Policy (attached) that the PPI was cancelled on 19/5/1998?

 

welcome sibel list of my loan insurances.pdf

[dx100uk]

but you were not refunded look at the statement you put up.

 

dx

 

[craigten]

Christ yes. Also not for the other policies.

[dx100uk]

you are only reclaiming this one, all the others show a refund

[craigten]

Just read all again from post #1. Wow, can see why you get annoyed / frustrated. I actually surprised myself at reading it. Shocking. Sorry.
Have done statint sheet and will send FOS questionnaire tomorrow .

[honeybee13]

Thread reopened.

 

HB

[craigten]

Thank you for opening again!

I have some time off lately and have just chased this up with Aviva again. They maintained that they were not the underwriters at that time and weren't until 2000. I explained, as DX stated in the thread, that they are wrongly assuming I am trying to reclaim the hidden commission they got paid for selling the PPI under a Plevin Claim. but I am not ...I'm reclaiming the monthly PPI portion of my payments made to Welcome that I paid under the agreement that they paid their insurance underwrites that eventually became part of Aviva.

 

The actual email received was:

Thank you for speaking with me today.

As discussed, I can confirm Aviva is not the correct business to investigate your complaint.

This is because neither Aviva nor any Aviva subsidiary company were the underwriter of Welcome Finance PPI at the date your policy was sold.  

I do not have details of the underwriter, but this information will be available from your policy document or your finance agreement.

In conclusion, you will need to redirect your enquiry to the appropriate underwriter in the first instance. They will then investigate your concerns and issue you with their final decision.  

 

Is there any other action I can take now, please?

[dx100uk]

i think this ship has sailed.

 

[craigten]

Can you explain why, please?

[dx100uk]

CCL 3 yrs limit as the other thread.

 

this is why i pushed you on all your threads, but if you dont act within the time allowed...........

[craigten]

I did. I made the complaint before the deadline?

[dx100uk]

But that was three years ago!!!!

 

youve done zilch to investigate their claim its not us nor to find who was the underwriters and if there is a trail now to Aviva

 

Dx

[craigten]

No but I have had children. We all have different thresholds, you know.

Forgive me but I was going on your post #58 where you wrote 'they wrote back ASSUMING you were trying to reclaim the COMMISSION welcome got for selling you the PPI INS on behalf of AVIVA',

I took from this that you knew AVIVA were the underwriters.

So, I need to go and research who were the underwriters?

[dx100uk]

and whomever they are, if its ever unravelled, will refuse the claim, and i bet it turns out eventually to be aviva that own's them now, which in 99% of cases it is,

 

chasing the claim outside of 3yrs since you 1st complained, under CCL , they will kill it dead  ....the fact that they mistakenly though you wanted plevin commission, not the premiums is a mute point IMHO.

[craigten]

I see.
I have mitigating circumstances (head injury) that I am willing to pursue as my reason.

Incidentally, I originally received an emailed reply to my original claim stating the same in March 2021 which I assumed was the end of the line, so I haven't 'done zilch' for three years.

Do you see my point?