Whiskey I think you will be very hard pushed to find anywhere in any paper work or taped telephone calls any information that actually told you the full cost of the loan - and more specifically the PPI element. Your original contract will show the total of your loan and then a total for the PPI which will go a long way towards that amount. If you havent already, then ask for a full S.A.R - (Subject Access Request) which should come back to you with tapes of all conversations, and will give you a better view of your situation. best of luck BHB

Feebs, First Plus did not tell me about the interst on the full term and so the full cost of the PPI, and the tapes I have agree. However FP are still disputing that any misselling occurred and I am currently waiting for the FOS to make a ruling on my case. BHB

Evening. For the sake of £10 I would prefer to have everything. As you were "introduced" it is entirely possible, depending on how your conversations went, that you bought PPI of either party. In my case, we rang FP direct so don't have this issue. Good luck and don't give up!

Surely this kind of information should be in the SAR documentation. If you have a claim against anyone, and Firstplus are "referring" any claim to what we see as a 3rd party, then any reference to the company has to be in the terms and conditions of you agreement. I might be wrong, but if there is no mention of the Company in your agreement for the loan or the policy, then I believe they are playing the delaying game. Have you sent a SAR before claiming ?

When you ask for the S.A.R - (Subject Access Request) make sure you ask for all details relating to both loans. Its up to you if you want to cancel the PPI before claiming, but I think you will be surprised at how little it actually reduces the monthly payment. What they refund you from the cancellation of the policy is only a small fraction of what they actually charged you at the start of the loan. They will also not be refunding any of the interest that they have charged you on that PPI. Good luck with whatever you do . BHB

My partner has received a letter from FP telling us that our loan will not be affected in any way and will continue as normal. Am therefore assuming is only new secured loans that will not be offered.

who was your claim against Will ? and what was your case for ? BHB

My understanding, based on my own documentation for two loans, assuming your T&C's are the same, are as follows :- Main Applicant Covered for Sickness, Involuntary Unemployment and Death. Additional applicant(s) Death. Hope this helps. I do not believe the "Self Employed" element is an issue on this occasion.

Thanks all for the comments. Not too sure what costs there are, i've only spent £10 on the SAR, £6.99 on a tape player and a couple of Recorded Delivery Letters. Absolute Maximum is about £25. Not to worry, if the FOS do respond and say they can't help, i'll be off to the courts for a couple of hundred quid. I'm seeking refunds of thousands.

Evening Caggers. FOS have updated me today to say they have passed the case to an adjudicator. I guess it's a waiting game now. It will be interesting to see what else Firstplus use to reject my claim next. FOS Said to send them everything, so I did, every single page from the SAR and the correspondence. I have nothing to hide and everything to gain. Any further updates, i'll let everyone know.

We did the following :- S.A.R - (Subject Access Request) - we got most of it. Sent them a letter claiming mis-sold - then got a standard fob-off letter. Rejected their rejection - received a standard increased refund offer. sent claim to the FOS who are now looking at the claim. There are several claims on here - try the following threads. http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/138547-braveheartbear-firstplus.html http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/137511-bog-first-plus-ppi.html#post1477728 http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/140080-finlander-firstplus.html#post1495458 http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/136170-nw_red-firstplus.html#post1496065 Enjoy reading and don't give up just because Firstplus managed to select 5 or 6 standard paragraphs and chuck them down on a piece of paper.

It's your decision to make Finlander, you need to weigh up the pro of getting possibly a quick result for some cost, or waiting longer and getting the result for free. Not sure if the possibility of a win is any more likely one way or the other ? (might the FOS remember the number of complaints they have against FP??) If you are in a position to wait it out then that's what I would do. That way you still have the court route to fall back on. (Obviously they would say its quicker if it means they get some cases off their list and onto someone elses, or maybe I've become to cynical!! ) Best of luck which ever you decide. BHB

Thanks marshallka. In a nutshell, i'm claiming they sold me two policies id neither needed or wanted as the policies were not required, did not cover me correctly and were missold on the benefits package associated with the loans. We have supplied FOS the entire correspondence and copies of every single page from the SAR. So as far as i am concerned, the only thing they do not have is copies of the tapes. I will challenge the use of anything other than these tapes that are not included in the SAR, as they will be in breach of the SAR if they do so. Not that i'm thinking there is anything else for them to send, except of course any other additional documents they claim to have sent that we have never seen before. I'll udpate all as and when the FOS respond.

FOS even send acknowledgment letters within 24 hours. Lets hope the rest of their service is as good. Based on a previous call, i'm not expecting anything more for 3-4 weeks, but will keep all informed. Any more advice on our claim appreciated, but genuinly looking forward to the FOS decision, irrespective of how long this takes. Could be a cracking Christmas...... Fingers, Arms, Legs, Eyes and a few other bits Crossed.

Blimey - two final responses received today rejecting the claims but offerring enhanced rebates of a couple of grand in total. Without prejudice and without admitting anything. Specific mention of the the fact that if we are not happy we can go to the FOS, but they probably won't help due to the age of the loans. Thank's for that Firstplus, always useful to receive informed and valuable information. Guess it has to happen now and again. What's that? Phoned FOS this afternoon who said they would look into the claim, gave me a reference number and everything. Firstplus in the wrong again, never !!! Downloading forms as we speak and the copier is getting warm copying all 148 pages of correspondence to date. (This does include the SAR Stuff. FOS said copy all of this as well, we then can't be accused of hiding anything then.) Hmmm, a couple of grand or the chance of letting the FOS receive another Firstplus claim, which I believe nails Firstplus to the wall for well over £20k. Guess I'm off to the post office in the morning then. Let battle continue !! Anyone received any form of acknowledgments or timelines from FOS re Firstplus ? They did advise they have started looking at claims received about three weeks ago! So expecting a month before we get an acknowledgement.