Bump!!! Can anyone help please with my next step..... court preferably or FOS, but any advice would be appreciated.... any templates for Court or FOS please!!! Thanks Karen

Hi Paintball Thanks once again for the quick response. Its good to know that you think we have a case. I have already made the decision - its court!!!! One of the reasons for this is that Norton keep stating that we have a right to go to the FOS, obviously they want us to pursue this line instead of court. Do I just go ahead with court proceedings now? They have had their chance and not backed down? Any pointers on what to put in the case would be most helpful - you are so much better at writing these things than me!!! Thanks again, Karen

Well Paintballs letter got a response from Norton. After orginally requesting a S.A.R from them, they said they had nothing on file and all documentation had been sent to Firstplus, we sent the 7 day letter to which they have responded and also sent a CD-R with the recording of the telephone call. I havent had chance to listen to it but the basis of the letter is that the telephone operator asked my OH if he had any pre-existing medical conditions which may affect future claims and he answered no. Now quite why he answered no I am not sure, we werent together when he took this loan out but he did have pre-exisiting medical conditions as he had major spinal surgery in 1998 and was under the doctor for counselling for 2 years when his ex-wife left him. They also state that the ppi was optional, and that they can only offer the one product that Firstplus have available. My OH was under the impression that he was covered for his back problems, that his PPI covered him for the term of the loan, and it was a no-loss situation because he would get 50% of the premium back if he didnt claim in 5 years. Was he just being naive or do we have a case to claim against Norton. I cant believe that financial institutions can 'rip off' people like this. It makes my blood boil. Any advice would be greatly appreciated - I am happy to take Norton to court, but only want to do so if we have a good chance of winning. Look forward to any advice that people are willing to give me Karen

We have sent the letter you kindly drafted for us a couple of weeks ago, will let you know of any further developments. Your help really is invaluable - thanks. Karen

Another update!!! The letter that Paintball kindly drafted has now been sent to Norton. Firstplus have replied with computer printouts of the loan agreements, as well as sending us someone else's as well!!! On some of the paperwork that came from Norton in the letter when they said they hadnt mis-sold ppi, they sent a copy of the loan agreement and highlighted a section on there which states that pre-exisiting medical conditions are not covered - its in very small print and hardly legible. They also sent a copy of a sheet relating to Optional Payment Protection Insurance which again was signed by my OH. The sheet mentions that they have not commented on the suitability of insurance to OH situation, not made a personal recommendation and also states that if OH was sick his loan would be paid (no mention on here of pre-existing conditions) - only at the end when it says 'please read policy summary for full details of any exclusions'. OH was not aware that he would not be covered for primarily his back, he suffered a major spinal injury 10 years ago, and he was not aware that the cover only ran for 5 years. Even though he signed this document do you think we still have a case. The box for PPI on the original loan sheet was ticked before it was sent to him. I would like to take these people to court, but would only do so if we stand a good chance of winning. The cost of 5 years PPI on the loan with interest equates to 50% of the original loan amount - its outrageous. Help Please!!!! Thanks Karen

Hi Paintball Thanks again for all your help, letter looks fine and is being sent to Norton today. After receiving their response at the weekend I feel more hopeful now that we have a cast iron case against them and I will go to court to prove it if I have to. Will keep you updated - thanks again - your help is invaluable. Karen

An update and more help required please!!!! Before we sent the letter that Paintball kindly wrote for us, we thought it prudent to ask for S.A.R's for both my partner and his sister, who is named on the loan agreement. We wrote 4 letters (2 each to Norton and Firstplus ) and sent cheques to cover the cost of the S.A.R's. We received replies to both my partner and his sister from Norton, returning the cheques as they are now saying that all documentation was sent to FIRSTPLUS for final approval and payout, they are stating that we need to contact FIRSTPLUS (Which we did at the same time as Norton). When we first queried the cost of the PPI and the exclusions, we wrote to FIRSTPLUS who replied saying that as the loan was arranged through Norton they had passed our complaint on to them. Is this a classic case of passing the buck? Surely Norton have to send transcripts of the telephone conversations when we requested the S.A.R. Is it now time to send the letter Paintball kindly wrote for us - if so do we send it to Norton or Firstplus or both? Any help would be kindly appreciated. Karen

Paintball That is a great letter, much better than I could have ever composed myself. Have sent the letter to Norton today. Will keep you updated with their response. Thanks for all your help, its greatly appreciated x

Hi Paintball Thanks for the quick response. I think we have had one of the 'standard' reply letters from Norton. I will write to them again today and if I dont get any response I will be going to court. Help with a letter would be great if you could oblige..... Thanks Karen

We have now received a reply back from Norton, basically stating that the ppi was not mis-sold. They say that their full sales script was carried out and we were verbally informed that the ppi was for 5 years only (Not true), and that the ppi would attract interest over the full term of the loan (not true). They also say that the normal questions regarding age, employment status, pre-exsisting medical conditions were made (not true - I had a major back operation 10 years ago and I am not covered for any back problems!). They also state that First plus called before the drawdown of funds and stated that the ppi was optional (not true). They also state that First Plus will only allow them to sell First plus insurance products. What I find confusing is that they can write all this, which is not true, but also the loan was in joint names with my partners sister as they both own the house which it was secured against, no phone calls took place between her and Norton or First Plus. They say I can go to the Ombudsman if I am not happy with the decision. I want to take them to court as I feel we have a really good case against them, do I need to go to the Ombudsman first and use the court as a final option? Any help ideas or general advice would be greatly appreciated. Thanks Karen

Thanks again for all the responses. I am writing today regarding the SAR to Norton, I dont expect any response but I feel more confident to persue them through the courts if I need to. Excellent site, thanks for all your advice, will keep you posted.

Thanks both for two really helpful replies, will get on to requesting the S.A.R this weekend and will keep you informed of our progress. Thanks again Karen

Hi I am trying to reclaim PPI sold to my partner in 2006. He took out a secured loan with First Plus and paid for the one off PPI Premium. After reading about the mis-selling of PPI on here I believe he is a victim of this - the loan was taken out before we got together, however he was never made aware that the PPI only covered him for 5 years, medical problems in the past have been back surgery (which he is not covered for) and stress related illnesses (which he is not covered for). He was sold the PPI on the promise of 'Dont claim' for five years and your premiums will be refunded. I have wrote to First Plus on his behalf and they have offered a refund of £600 to cancel the policy and a reduction of £6 per month in the payment (the ppi which he no longer has still costing him £52 per month until the end of the loan!!) We wrote back saying that after taking advice we believe we were mis-sold this premium and we received a letter back from First Plus saying that as the loan was taken out with Norton they had passed the letter on to them. Norton have never replied. 1. Is it Norton who we need to chase even though the loan/ppi is with Firstplus 2. We have patiently waited the 8 weeks that they asked us to to receive a response and had nothing - what is the next step to take. 3. The loan is in joint names with my partners sister as her name is on the deeds to the property - she was never advised by Norton regarding the PPI - could this help us if we end up pursuing this through the court? 4. What do you think our chances are? Thanks in advance