Limitation Act questions

[carinas]

I'm making a claim for PPI and in their response they state

 

"please note that any claim you make is likely to be statute-barred persuant to the limitation act 1980"

 

What does this mean? Is it that i cant claim back further than 6 years? How do i know if it will or wont be covered?

[hagenuk]

They mean that your claim is out of time. The Limitation Act 1980 states that

 

An action founded on tort shall not be brought after the expiration of six years from the date on which the cause of action accrued.

 

How long ago were you charged as clearly the defendant believes it was greater than six years?

[carinas]

its a claim for repayment of PPi which was originally sold to me in 2000, although i still have an account with the company and i am still paying the car finance. I found this:

 

S.32(1) of the act says:

© the action is for relief from the consequences of a mistake; the period of limititation shall not begin to run until the plantiff has discovered the fraud, concealment or mistake, or could with reasonable diligence have discovered it.

 

I have only just discovered the PPi was not compulsary with the loan and that i did not have to take it (as ooposed to i was told by finance company) therefore do i have a case to still request a refund?

[sequenci]

its a claim for repayment of PPi which was originally sold to me in 2000, although i still have an account with the company and i am still paying the car finance. I found this:

 

S.32(1) of the act says:

© the action is for relief from the consequences of a mistake; the period of limititation shall not begin to run until the plantiff has discovered the fraud, concealment or mistake, or could with reasonable diligence have discovered it.

 

I have only just discovered the PPi was not compulsary with the loan and that i did not have to take it (as ooposed to i was told by finance company) therefore do i have a case to still request a refund?

 

did they tell you that you could only have the loan if you paid the ppi?

[fergal71]

Hi I am in exactly the same boat yet mine is from 1998, I am just preparing particulars of claim any ideas would be great as to how to word it!!!

[carinas]

did they tell you that you could only have the loan if you paid the ppi?

 

Yes they did, it was sold to me on the no ppi no car basis.

 

I believe i have a case for misselling - yet outside of the time limitation, although i think this act will help me?