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Baz1994

FIRST NATIONAL BANK OLD PPI

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I have located an old loan agreement with First National Bank (Reg No:592986) for 1997 (through a window company) showing upfront PPI payment.

 

I have also found letters from July 2001 from First National Bank stating that they are a member of the Abbey National Group?

 

Loan was paid off and satisfied later on that year.

 

On seaching various websites including Companies House, I have found that G E Money aquired FNB in 1988 - 2003 and also FNB Finance Ltd.

 

I know that the PPI cut-off date is looming but who should I direct my complaint to to get in before PPI deadline? 

 

Shall I start with GE Money?  Any idea who the Underwriters are as I cannot locate any details on the agreement? 

 

Any help would be much appreciated.

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Further to my earlier post, I submitted a PPI claim to window company to get the ball rolling.

 

I have now recieved a very brief response saying that due to the Statute of Limitations Act, they are closing the claim and thats their final response on the matter?

 

I thought they had to at least respond accordingly if whithin six years from date of discovery?

 

Please correct me if I'm wrong.

 

Cheers 

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correct unless you'd already tried and knew it was there?

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Cheers dx

 

Even if loan was paid off over six years ago? Maybe getting confused. Where can I found law that states six years from knowledge of claim? 

 

I did request paperwork some years ago but got fobbed off with no paperwork available but acknowledged the loan.

 

Found agreement details recently so submitted a ppi claim last week before deadline, whether I need to escalate to Underwriters.  

 

 

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Cheers dx

 

Even if loan was paid off over six years ago? Maybe getting confused. Where can I found law that states six years from knowledge of claim? 

 

I did request paperwork some years ago but got fobbed off with no paperwork available but acknowledged the loan.

 

Found agreement details recently so submitted a ppi claim last week before deadline, whether I need to escalate to Underwriters.  

 

I have attached copy of letter response.

 

 

img20190822_15042339.pdf

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statute of limitation and the fos or fca ppi sites

 

pers i'd go for the underwriters always anyway

pretty sure that get a result going by memory of 1st national and all its changes of trading name since then.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Cheers again dx, I will have a look and reply anyway.

 

Now if I do go to Underwriters am I still restricted by cut off date even though I have started ppi complaint process?

 

I am not sure who they are but got a feeling it is Cardiff Pinnacle or Aviva. 

 

I have looked on websites for limitation details but I have had no luck. 

 

I just want to respond quoting relevant details.

 

Any help would be appreciated.

 

Sorry tried looking for any insurers / Underwriters details but clutching at straws now.

 

Thought it was Cardiff Pinnacle / Aviva but OH not sure.

 

Is there anyway of finding out?

 

All I can find is window company, First National Bank and GE Money on agreement. Window salesman sold us the loan.

 

Would there be a broker involved do you think.

 

I have also found a copy of Window companies letter last year in response to my GDPR.

 

They stated that they have located order details with them in 1997 and quoted address, telephone and Finance arranged details.

 

They also state that the information is held on their electronic database but I am not privy to have it?

 

So is this correct? Should there be a letter of destruction if no information is available?

 

Sorry to keep on but trying to find who the underwriters are.

 

Thanks for looking.

 

 

 

 

 

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks again dx

 

Found their address and website.

 

Is there a standard letter for Underwriters or just send usual PPI Complaints letter with a few extra comments regarding Underwriters involvement?

 

Also is there a website to enquire about their regulation? 

 

Cheers for looking.

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as you've seen with your other claims

GISC was around then so good chance, where as with FNB or whomever they would not have been regulated till 2005ish, insurance providers were.

 

pers at this stage i'd not go into too much detail else they'll know what you know

it would be better to use their webportal PPI claim link if they have one?

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Posted (edited)

Ok lovely dx always much appreciated.

 

I will submit a complaint online as probably be quicker.

 

Also as per my earlier post, is it correct that any data held on me electronicly, I am not privy to? 

 

Sorry so FNB were the broker?

Never remembered anyone from them at my house.

 

Just remember a sales rep from window company saying sign here today for your discount etc and advise you to take out insurance as you will have more chance of being successful.

 

On copy of CCA, the sales rep has signed on behalf of First National Bank.

 

I am filling out a FOS questonnaire online, so shall I add this to my complaint and that Underwriters have a duty of care to ensure fair sales? 

Edited by Baz1994

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no fnb were not the broker....

is there not an online portal at the Cardiff pinnacle sites..to register a ppi complaint most of them have it.

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok sorry a little confused dx.

 

First National Bank now GE Money ?

 

Window sales person sold policy / loan on behalf of FNB?

 

Yes but website requests that you complete FOS form and email it to relevant ppi address.

 

Cheers

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immaterial

you know who the underwriters were 

they are you target.

 

don't put down too much on the form.

let them work it out.

them more info you put

the more reasons to refuse you.

 

sales rep put an x by the boxes

said sign here here and here when queried why said you wont get the loan nor my generous discount without agreeing to PPI

 

typical sales rep even into the 2000's, they got a direct backhander for selling the underwriters policies.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Cheers dx 

 

Yep lot clearer now and will keep it minimal.

 

I can still remember it even now and on reading other posts all seems to be the same approach.

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I have now completed FOS questionnaire.

 

Shall I attach copy of the agreement?

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cant hurt I suppose


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok will do and nothing else.

 

Cheers again dx

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Hi baz

 

Just contacted Cardiff Pinnacle in relation to ppi taken out on a policy with First National Bank in 1995

 

They located the policy and told me that Santander is dealing with these claims by post they provided a link 

 

Hopes this helps

 

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Many thanks for that stuwebb.

 

Did you have a policy number? What details did you give to Cardif Pinnacle?

 

What link did they give you for Santander?

 

Cheers

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Hi Baz

 

I gave them the original policy number, they then did there own search based on usual details and located the policies

 

The link was a telephone number to santander  the claim is by post 

 

 

 

 

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OK thanks again stuwebb

 

I only have First National account number but no policy number for Cardif. Do you think it is still worth a call?

 

I looked on the Santander website and there is a online link.

 

With the clock ticking and age of account I wanted to cover all angles, so wanted to take Underwriter complaint option.

 

Cheers 

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Hi

 

Just call them and any contact you make is noted before the deadline

 

Good luck

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