Thanks for the reply, I have done a little more research and found out from consumer direct that if the warranty / guarantee does not finish with the words " this does not affect your legal rights " the warranty / guarantee is a worthless statement. But i know that fighting an action against this company is going be difficult and long winded with the outcome predictable-ZERO. The big G

Hi My daughters cam belt snapped and of course required a replacement engine, she brought one on line from Specialist Breakers ( Renault parts dealer ) with a ninety day guarantee. The engine arrived and her chosen garage removed one engine and fitted the replacement only to find the replacement engine was defected, this was a huge disappointment as she expected the seller to have tested the engine before dispatch. So a replacement engine has been sent out but of course the garage is to charge her again for the work, rightly so. Want i want to know is even though the seller on their web site states that the guarantee is for only parts and not labour how does that stand up in the Sale of Goods act 1979? Is that a valid fact in this case? Has anybody been through similar? Many thanks for viewing.

Hello Hazel I know exactly what you mean, when we first ordered on line and filled out the form on-line half way down one page the continue button appears so you think thats it for that page and click! Problem is unless you scroll down past the continue button you will see there is a small box that you have to tick stating you do not wish to have payment protection insurance. When i received our first statment i saw the charge for one month and rang them up, thats what the girl told me, " scroll down the page and you will see the tick for no box " She was correct, i had to write in and cancel the cover plus, they stopped any further payments but as i noticed the charge on the first statement and got it stopped i didn't bother claiming back the single one months charge. But for you i should write to them and see what comes back, but the way the form is laid out i think you struggle to get anything back. They set the on line form up knowing that they would catch most people, and they do. Hope this helps a little Geoff

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/61081-ppi-some-notes-claimants.html Read this and it will give you all the info you need, i would say yes you can. The Big g

The Big G took on Loans.co.uk over a year ago and this week recieved a refund of £10,250 plus £3,300 interest. My thanks have to go to the FOS but without the help of CAG forums in particular Hellhasnofury and Reidnet it would not of happened. THANK YOU ALL The Big G:) :) :)

Just an added note, my loan was taken out in early 2004 and did think that maybe the FO would not take it on because it was before 2005 but they did. The claim was based around the facts 1. the loan was over ten years and PPI only covered me for the first five, whats the point in that. 2. At the time of taking out the loan i was not informed of other forms of PPI such as monthy payments and most importantly you can obtain cover elsewhere at a much cheaper rate, . Geoffm

Hi Tagal, Well in Feb 07 i started my pursuit of reclaiming £10,000 refund from Loans.co.uk, i put together a letter clearly stating all the facts of the loan and the PPI how it was sold ect and forwarded to the FO. In Oct 07 i received a judgement from the FO ruling in my favour and instructing Loans.co.uk to repay in full all the premiums plus interest, cancel the PPI and instruct GE Money to restructure the loan without the PPI. It is now end Jan 08 and have receieved confirmation from GE Money that the new forms are on their way to me for signing, this after alot of time delaying by Loans.co.uk. So my advice is to claim it back because you will win in the end, you will also find the FO is very much on your side and that Loans.co.uk is not flavour of the month with the FO anyway. If you want any help off me regarding how i made my claim, just ask. The big G:)

Hi HHNF, Checked my e mails today and following mine to FOS had a reply assuring me that an offer is now in the post and should receive it by end of week, sign it if i agree to offer send it back and await payment, we shall see. The Big G

Hi HHNF, Yep, thats what i thought. The FO stated his findings in my favour recommending what the broker should do by the 9th October. So far no response from them, i'm not surprised, they are not going to jump over barrels for me. I have an E mail contact at the FO office who worked on the claim, i send enquiry to her for advice on my next move and ask if it's normal for brokers to ignore the FO,LOL. I expect they will contact the broker and ask whats going on and hopefully inform them that court action is the next step. If i go to court can i download a N1 form or have i got to get one from the court office? Regards The Big G.

Hi everyone Had the positive response from the Financial Ombudsman i was looking for but now at a stop due to broker ( happy days ) yes that lot, not acting on FOs findings. Whats my next step? Issue court proceedings or return to FO asking for their help? The big G

My loan was taken out end of 2003 and the FO had no problem with it, i don't think there is a cut off date. Geoff.

Hi HHNF, Hopeful1 is spot on with the 13 listed terms, the FO in his letter stated that the seller needs to inform you can buy PPI elsewhere, if he/she does not they are mis-selling. When you look at all 13 one would have to admit most loan applicants have been mis-sold. As always All the best from Geoff.

Hello HeatherMc, In short, YES but i takes a time for it to be sorted. I felt i had been mis-sold on a loan that was brokered by Loans.co.uk and ended up going to the Financial Ombudsman office for which they agreed with me on the grounds; The loan period was 10 years but the PPI is only good for 5 years, so the FO said why would somebody take a loan out for 10 years and buy cover for only 5. Plus also they did not inform me at the time PPI is optional and you can purchase it elsewhere independant. There are other reasons covering mis-selling and doing a search on this forum you find all the answers you need. This postal strike is a nightmare i know but they might say 14 days but i think you will find it could 28 days. it all depends on the terms of your loan, period over ect but as i have said it's not a five minute solution. Hope this helps you and if you need more help just ask. Geoffm.

Hi, Well i wrote to Loans.co.uk stating my reasons for a claim against them for mis-selling which of course they denied, but you have to show the FO that you have tried to communicate with them. Next step was to find the list of reasons for mis-selling ie, self-employed or ill health or in my case as i believe to be many others, NOT being informed that there are other options such as stand alone policies.and you don't have to take their PPI or you don't get the loan. Plus also this type of policy is only for five years so if your loan period is for more than five it's basically useless after this period. On Moneysavingexpert.com website there is a clear list of reasons for mis-selling, if you find any of these reasons relate to you then you have a claim. I intend to post my letter up holding my claim once everything has been completed over the next couple of weeks, this should give everybody in the same boat a good idea of how the FO thinks and bases his decision on. All the best The Big G

Hi HHNF Yep it's good news, the contents of the letter contained a damming view of the broker ( happy days ) but what was pleasing to see written was that the FO overall feels that this type of insurance is aimed at the loan company/broker and insurance provider. They are the only winners not the protected so i feel that the FO will side with the office of fair trading who are currently investigating the practice. So for everybody out there with this type of policy it's basically not worth the paper it's written on, get claiming back!!!!!

Well Goldlady, God does smile, even on fools like me, had a letter from the FO informing me that my mis-sold claim is up held, just now have to wait on Loans.co.uk for their response to FO recommendations. The Big G

Hello all, Had a letter from the Financial Ombudsman office informing me that my claim is UP HELD due to the way the PPI was sold,mainly on the lack of information regarding other PPI options at the time of selling. So as the commercial says " happy days " The Big G

Hi, I guess my claim is really with LOANS.CO.UK and not GE Money,i'm hoping the result goes my way,removing the PPI from the loan, i can then get a settlement figure from GE Money and re-finance with my bank at amuch better interest rate. The Big G.

Well after reviewing many threads on the CAG pages i knew i had been mis-sold, mainly for the following reasons; 1. I was never told at the time of loan application about other types of PPI insurance ie, stand alone policies and monthly payments, the PPI recommended was full premium up front as part of the loan. And the agent for Loans.co.uk filled out the form and ticked the box withot mt knowledge. 2. i was told that to ensure the loan was approved, by selecting their approved insurance provider the application would be approved. 3. I never have to this day received any policy documents and have since found out none exist. 4. And add the fact that both Loans.co.uk and GE Money have been fined around £600,0000 each for mis-selling PPI for the above reasons. 5. PPI does not pay out if sold when the person(s) are self-employed or unemployed at the time of applying, have a medical condition at the time of applying as well. As i said by searching the PPI threads you will see that this type of insurance selling has been going on for sometime and now is coming to light just how many people have been caught out. At present the Office of Fair trading is currently investigating this practice because they believe it's been a big money making [problem]. Hope this helps The Big G

Thanks for the advice, i just await the outcome from the FOS,fingers crossed and just about everything else at this stage. The Big G

Hi everyone, It's been six months now but the wheels of the FOS are at last turning and i've heard from them with the view of a decision, so i'm expecting to hear within days of my mis sold PPI claim against GE Money and Loans.CO.UK. What i need to be looking at now is, if the decision goes against me how do i get out of the loan? I'm thinking if i go back to GE Money i shall have to take out another loan with them without the PPI, this will cost me i think because, I have spoken to my bank and they have offered me a good deal, with me arranging stand alone PPI if i'm not happy with thier rate. What i need to know is, is this my best option, talk to GE get a new loan without PPI then transfer to my bank at what would be a much lower interest rate, but having to pay an early settlement fee. Of course if the decision goes for me problem solved, i'm hopefull the decision will go in my favour but if not whats my best option. All replies gratefully received. The Big G

Hi there, I think you will have to wait at least three months before you get a response from the FOS, i have been waiting six months and have just been informed that they are now dealing with it. Of course now the bank charges are on hold it should speed up but they will take more than a couple of weeks before you hear anything. All the best The big g

Hi Lindsay, Never let your guard down, but maybe just maybe Lloyds Bank could just be looking for an end to all the reclaims, and have already started looking for new ways to over charge us, i think we all know what some of these will be! Still it's great news for you, well done:):) The Big G.

Just a current update for any interested parties, After receiving a flat denial from LOANS.CO.UK:( that they mis-sold the PPI on the loan (a lump sum up front of £10,000) i have since sent all information needed to FOS and have received notification that a caseworker has taken it on. This to date has taken about eight weeks, not yet an end date in sight but the wheels are moving forward. I'm writing this update so that anybody fighting similar actions, and starting to feel dejected, don't give up! Anyone taking money off you are never going to give it back without a long drawn out fight. Ill keep you posted as things progress. The BIG G.

Well, £500 was what i got credited back,the full amount i had paid out over the last two years, and the letter was very nicely worded. Te Big G.