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    • Hello, firstly thank you for reading this. I know no one wants a long winded back story. So I’ll be breif. I entered a local store to buy some paint (which I did pay for) I am honestly not a bad person or a theif.   Didn’t have a basket or trolly as was on my lunch break. Whilst picking up the three tubs of paint placed some masking tape in my pocket (it was hanging out of so I had every intention to pay) just didn’t have a hand free. Paid for my goods (forgot about the £4.39 masking tape) I’ve got so much going on and im not well at all (like I say no one cares I get that) also have autism so wasn’t thinking particularly like others do maybe (who knows my minds going around and around) I left the store after paying, was pulled back in by security. Asked for the tape which I gave immediately  shook up. Gave them my ID and details. I was given some paper and told to expect a large fine in the post for their time and the tape and sent on my way. my questions are: I hardly ever go out without support so the ban I guess I can’t go there now for anything (their loss) - ok but is my photo going to be all over with my name? how much am I expecting in the post as a fine? I have sent them cash in the post recorded signed for delivery to arrive tomorrow (incident happened today) for my error. Their Address was on the bit of paper. i have read two posts on this page but they were from many many years ago so I hoped for updated advise please? 
    • V important you read lots of BMW threads too !  
    • So should I send them a new SAR and put my date of birth on it? Or do I need to send them some proof? Driving license? 
    • Thanks so much for your help!! I've emailed them, and when they reply saying they can't do it I'll reply and state my rights. I'm so glad I found this forum, and will read all of the posts I can find and help guides available for the future. Really can't thank you enough.
    • utter BS, doesn't matter you signed it. pers i'd be writing as per the other threads here rejecting the car as not as described under CRA etc and be done with it. as its a debit card you could also do a full chargeback within 120 days to your bank and simply dump the car back to BMW. 100's of like threads to read here. get your ducks inline. make sure you know what you are doing and off you go. dont take any BS from BMW, no matter what you sign it does NOT remove your consumer rights. p'haps it might be on the off chance you are a good manager , a quick phonecall tomorrow saying you dont want it because (no bla bla fitted) it might be resolved in 5 mins..i will guess to date you not tried
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GE Money / Is PPI Cancellable ?


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Hi All

 

Recenlty wrote to Ge money regard the forced sell of the PPI on my secured loan, requesting the policy to be cancelled an all premiums / remaining bal to be refunded, based on the fact that it was a condition of the loan.

 

The letter I got back asked me for proof of this, how can I do that when the conversation was verbal?

 

Also, the letter states that the PPI is non-cancellable? Is this true? I dont think so.

 

 

ta

craig

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Sorry i cant help much here but was it done over the phone? did they record it???

 

Surely if its not cancellable then the ppi is a condition of the loan ???

 

maybe someone else can help??

Halifax cc Won settled in full after moneyclaim.

 

 

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IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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Hi Craig,

 

The key here is " do you consider that you were mis-sold the PPI at the time of taking out the loan".

There are a set number of rules that apply when taking out a loan,mainly that the seller informs you that PPI is optional and you can seek cover elsewhere, you do not have to take out PPI with them or you can't have the loan,basic stuff like that:evil: .

Going by what you say in your thread it would apppear you may have a case of mis-selling, i therefore suggest you read up on all the threads regarding PPI and mis-selling and perhaps go down this route rather than cancellation.

 

Good luck

 

Geoff.

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Hello Craigamc,

 

Send them SAR-Data Protection act with cheque £10 and CCA £1 and they must supply you with the copy of the agreement including T&C....When received check the Cancellation paragraph...: when the policy could be cancelled....

The samples of the letters you can find in the Labruary...

I would personally phone them again( before the SAR and CCA)...speak to somebody else nicely....and ask them to fax you or email you the copy of the policy..If they refuse than SAR and CCA.....

i normally phone 2-3 times..speak to different people..some can be helpfull some can have bad day and do not care....

 

Good luck....

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Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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  • 4 weeks later...

Craigmac need your help ive had a reply from WF on my PPI & CHARGES they have said to me the PPI was not mis-sold because Direct Group have sent me 2 claim forms which i never filled in or sent back they have also given me £315 which is a goodwill saying to take this as full & final payment help me out i dont know if they are testing the water with me did you have any similar incidents with your claim

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Craigmac need your help ive had a reply from WF on my PPI & CHARGES they have said to me the PPI was not mis-sold because Direct Group have sent me 2 claim forms which i never filled in or sent back they have also given me £315 which is a goodwill saying to take this as full & final payment help me out i dont know if they are testing the water with me did you have any similar incidents with your claim

 

Hi ab2ml

 

I didn't query any charges only the PPI but as a result they have written off the remaining balance of around £90.

 

First letter was this

 

Chief Executive

Welcome Finance

Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham, NG11 6NZ

 

Dear Sir or Madam,

 

Re: Claim for Refund Of Personal Loan Insurance

Policy Number WMC1221979

In July 2005 I was approved a loan for £1,000. I was advised that as condition of the loan, a payment protection insurance (PPI) would be part of the loan, as it would insure payments would be covered if I were to become unemployed or was unable to work. This was in the form of an additional loan totaling £542.91

 

It is fact that you are not allowed to make (PPI) a condition of a loan.

 

I therefore consider that I have been mis-sold this expensive insurance, and request that a full refund of all costs incurred through the aforementioned PPI, including all associated interest, and that the loan agreement schedule and payments be adjusted, to incorporate the removal of all costs associated with PP1 and itself as detailed.

 

I would appreciate an immediate response to this letter that will conclude this matter as mentioned.

 

Yours faithfully

 

 

If you need a copy of the second letter let me know, its on my work PC, so will need to post it here tomorrow

 

Cheers

Craig

 

P.s. Good luck but you will not need it!

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Hi ab2ml

 

I didn't query any charges only the PPI but as a result they have written off the remaining balance of around £90.

 

First letter was this

 

Chief Executive

Welcome Finance

Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham, NG11 6NZ

 

 

Dear Sir or Madam,

 

 

Re: Claim for Refund Of Personal Loan Insurance

Policy Number WMC1221979

 

In July 2005 I was approved a loan for £1,000. I was advised that as condition of the loan, a payment protection insurance (PPI) would be part of the loan, as it would insure payments would be covered if I were to become unemployed or was unable to work. This was in the form of an additional loan totaling £542.91

 

It is fact that you are not allowed to make (PPI) a condition of a loan.

 

I therefore consider that I have been mis-sold this expensive insurance, and request that a full refund of all costs incurred through the aforementioned PPI, including all associated interest, and that the loan agreement schedule and payments be adjusted, to incorporate the removal of all costs associated with PP1 and itself as detailed.

 

I would appreciate an immediate response to this letter that will conclude this matter as mentioned.

 

Yours faithfully

 

 

If you need a copy of the second letter let me know, its on my work PC, so will need to post it here tomorrow

 

Cheers

Craig

 

P.s. Good luck but you will not need it!

 

Hi Craig,

 

I don't mean to be rude, but If I were you I would edit the Policy no you have posted. Just in case. You never know who's looking:D

 

I accidently posted my phone no on one of my threads. I was inandated with calls for my professional legal and accountancy services. Only kidding:D

 

good luck and keep the faith

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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thanks craig i would like to know about second letter as this is the one iam about to do Archie

 

Hi, here is a copy of letter 2

 

Alexandria Mace

Senior Compliance Officer

Welcome Financial Services Ltd

Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham, NG11 6NZ

Dear Alexandria Mace

Account Number: *******

 

I am writing with reference to your letter dated 16th February in response to my previous letter.

I believe I have been mis-sold a payment protection insurance policy and would like to request a full refund of my premiums, plus interest paid.

I took out a £1000 loan at your Newcastle Upon Tyne branch on 11th July 2005 and also bought a payment protection policy which would cost me an extra £226.25 over the life of the loan. The total amount of my premiums is £9.42 per month plus any additional interest.

When I took out the loan, I was told that my application would be refused if I did not also buy a PPI policy. The Financial Services Authority’s advice to consumers is that, while it does not breach FSA guidelines, a borrower should not be refused a loan if they choose not to buy an insurance policy.

I appreciate your comments and copy agreement, however, I do not believe being forced to buy this policy as part of the loan was a fair and reasonable obligation as I did not need this insurance and said at the time of taking the loan that I did not want it.

In addition, Welcome Finance automatically issued the credit agreements containing the payment protection details, therefore assuming consent.

Once the policy is cancelled I will expect a full refund of all my insurance payments of £226.25 plus any applicable interest charged during the loan period.

If I do not receive a favourable response, I will pursue this claim through the Financial Ombudsman.

Yours faithfully,

Mr C McCarroll

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