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hello all

took out a loan with these guys in november and decided to cancel ppi in december, 24 days exact now they are saying to come in and work out another agreement as the loan apr would have been higher.can they do this or can i tell them to get lost.

any advice would be helpfil thx

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hello all

took out a loan with these guys in november and decided to cancel ppi in december, 24 days exact now they are saying to come in and work out another agreement as the loan apr would have been higher.can they do this or can i tell them to get lost.

any advice would be helpfil thx

 

 

Hello, What a proper shower of thieves. If the ppi was optional and you are allowed 30days in which to cancel. and you cancelled it before the 30days finished. Then by their agreement they cannot make you take out another loan.

 

First of all I would read the terms and conditions of the loan. There maybe something on them that is small and hidden in the jargon thats printed. for there cop-out.

 

Also did they inform you that if you took out the loan with the ppi and you did cancel it. The loan agreement would be discontinued and you would have to take out a new loan agreement.

 

I don't think so.

 

I would write to them to tell them you believe that you were mislead into taking out their expensive insurance and under the consumer act you have a right to cancel their ppi. with no penalities. I think

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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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thx hell

i couldnt beleive what they said and will be going in on monday and telling them were to go

 

Put it in writing, and get a reply in writing - keep a record of everything - it will help you in the long-run.

 

Craig

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Put it in writing, and get a reply in writing - keep a record of everything - it will help you in the long-run.

 

Craig

 

 

I truly agee with craig. You need to do things in writing and get their responses in writing. This will give you more ammunition in the long run if you do have to start legal proceedings, which I am sure won't happen.

 

By almeans go and talk to them on Monday, but try and stay calm or maybe wait till they get your official letter.

 

Do some homework with the legal side, read up the different acts so you can impress them with your knowledge. I do feel you will get much further with this.

 

Anyway good luck to you and please keep us all up to spec with your progress.

 

And remember the law is on your side????lol

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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Do not discuss this matter with them face to face, they will Bully You , Bullshit you and pressurise you.. and that is just for starters.

 

There is a report by The FSA re discounted APR with PPI, I will dig it out later and post a link here.

 

As said above, if they state you have 30 days to cancel PPI and you cancelled within that time I dont think they can force you to cancel the whole agreement and take out a new one at a Higher APR.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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thx guys i still got my receipt when i sent them the letter cancelling the ppi as i sent it special delivery, so i will just phone them and say i cancelled ppi so dont have to do anything else.

will keep you all updated thx again

 

jeff

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