ppi claim.. longer than 6 years !

[laffing]

you need to find some evidence of what you paid PCM to push this through.

 

dx

 

Do you mean the PPI payments? it says on the agreement £15.68 per month.

£184.45 monthly instalment

£15.68 monthly PPP premium

Total: £200.13

 

Should I send the letter??

[dx100uk]

no what i mean is actual proof you WERE paying £200 pcm, like bank statement.

 

there is a poss here you might not have been charged it.

i know that sounds strange, but , it exists.

 

dx

[laffing]

no what i mean is actual proof you WERE paying £200 pcm, like bank statement.

 

there is a poss here you might not have been charged it.

i know that sounds strange, but , it exists.

 

dx

 

????

 

I have their account history which they sent which clearly shows I was paying £200.13 per month, would this suffice?? :-?

[laffing]

????

 

I have their account history which they sent which clearly shows I was paying £200.13 per month, would this suffice?? :-?

 

any advice??? and shall i still send the letter??

[dx100uk]

ok thats better

 

hung by their own petard!!

 

i'd add to the bottom something upon the lines of even your own statements prove i did pay the ppi, should you wish to contest that it was me that altered the paperwork.

 

or word to that effect.

 

dx

[laffing]

ok thats better

 

hung by their own petard!!

 

i'd add to the bottom something upon the lines of even your own statements prove i did pay the ppi, should you wish to contest that it was me that altered the paperwork.

 

or word to that effect.

 

dx

 

Thank dx, will be back with the next installment

[laffing]

Morning!

 

I think Fords are getting a little bored with me!! I have just received the following letter:

Dear ..............., Thank you for your letter dated 23.06.10

Firstly, it is a little unclear as to why you claim that we have not complied with the subject access request, particularly since we have sent all documents which we hold in respect to the above account. If you can confirm why this may be the case we will be happy to look into this further for you. (see my post 39)

Whilst I do not wish to go over old ground I would like to re-iterate that, we received your signed finace agreement which confirmed your acceptance of the payment protection plan. If you did not require this, the dealership would not have asked you to sign the agreement in the ppp section. a signature is not required if the customer does not want the policy.

Notwithstanding, in an effort to conclude this matter and in line with our ethos of 'treating customers fairly' we are prepared to offer you £93.14 which equates to 50% of the 11 payments you made of £15.68 plus 8% interest. however i would like to respectfully remind you that, we are offering this as a goodwill gesture with no admission of liability on the part of Ford Credit.

If you wish to accept our offer, please let me know within the next 7 days where i shall be happy to ensure that a cheques is processed for you....

if you are not prepared to accept our offer, i would like to assure you that should we receive any contact from your chosen legal representative we will make our response to them in a timely manner.

Yours sincerely..............

 

Right...... i feel another letter coming on.... they keep harping on about my signature being obtained for ppi, but are totally missing the point that when it was signed the agreement was typed with the words 'no' for ppi and then altered..... what should i do now.... and what sort of figures am i looking for?

As ever..... any help and advice greatly appreciated.

[pompeyfaith]

no admission of liability but they made you an offer lol @ull%hit if there was no liability no offer would be made end off

 

Dont stop here thats what they want you are in a good position now as an offer has been made you want 100% of payments made to the ppp back plus 8% stat go get them

[dx100uk]

Whilst I do not wish to go over old ground I would like to re-iterate that, we received your signed finace agreement which confirmed your acceptance of the payment protection plan. If you did not require this, the dealership would not have asked you to sign the agreement in the ppp section. a signature is not required if the customer does not want the policy.

 

With the greatest respect, you were not a party to the actual transaction, so can only go by 'your previous sales instructions' given to all salepersons.

 

I was required to sign that box to CONFIRM that was my wish - NO PPI.

In each box is CLEARLY typed a NO.

 

The agreement has been altered, without my permission, after the event.

 

Should you wish this to progress to court, where issues of hidden sales commission and p'haps fraud, might well be investigated, i am happy to do so.

 

However, i give you one last opportunity to refund this to my requirements.

 

dx

[laffing]

Whilst I do not wish to go over old ground I would like to re-iterate that, we received your signed finace agreement which confirmed your acceptance of the payment protection plan. If you did not require this, the dealership would not have asked you to sign the agreement in the ppp section. a signature is not required if the customer does not want the policy.

 

With the greatest respect, you were not a party to the actual transaction, so can only go by 'your previous sales instructions' given to all salepersons.

 

I was required to sign that box to CONFIRM that was my wish - NO PPI.

In each box is CLEARLY typed a NO.

 

The agreement has been altered, without my permission, after the event.

 

Should you wish this to progress to court, where issues of hidden sales commission and p'haps fraud, might well be investigated, i am happy to do so.

 

However, i give you one last opportunity to refund this to my requirements.

 

dx

 

Thanks Pompey and DX, will draft a letter and put it on here for your approval....

You give me the conviction to carry on

[laffing]

Hows this:

 

Further to your letter dated 25th June 2010.

I to am feeling exasperated going over the same points raised in my previous correspondences with regard to my signature being obtained on the Finance Agreement.

With the greatest respect, you were not a party to the actual transaction, so can only go by ‘your previous sales instructions’ given to all salespersons’.

I must reiterate that my signature was obtained on the Finance Agreement where the words ‘NO’ where clearly typed in each box and therefore PPI was most definitely declined.

As you can see from the agreement this document has been altered, without my knowledge or permission after the event.

Should you wish this to progress to court where issues of hidden sales commission and perhaps fraud may well be investigated, I am quite prepared to do so.

However, I am a reasonable person and give you one last opportunity to refund this to the following requirements: refund of all premiums paid plus 8% interest, £15.68 x 11 payments plus 8% interest equates to: £186.28

Let me know your thoughts please before i post and any corrections / addtional info... thanks again

can i claim for contractual interest or shall i just leave it at this? i know it's not a lot of money but it's the principle

[laffing]

Has anyone any advice for me?..... hoping to catch the post today

 

Thanks

[dx100uk]

you can claim what you like.

the idea is you are put back to where you were before said PPI

you are also entitled to 8% stat because you were deprived of the money.

 

letter is ok

 

dx

[laffing]

you can claim what you like.

the idea is you are put back to where you were before said PPI

you are also entitled to 8% stat because you were deprived of the money.

 

letter is ok

 

dx

 

Just ok ??? :)

 

As ever.... a massive thank you.

[dx100uk]

well we can get serious if they keep wriggling.

 

oh a guest...your getting famous...

 

dx waves to the guest....

 

dx

[laffing]

well we can get serious if they keep wriggling.

 

oh a guest...your getting famous...

 

dx waves to the guest....

 

dx

 

ha ha, i think it's you..... oh fountain of knowledge !!!

[laffing]

The saga continues, Fords have replied with the following:

 

We have noted your further comments in your correspondence and would advise that our position remains the same in this matter.

 

Should you choose to take further advice in respect of your concerns, we will be happy to liaise with your chosen third party and will do so in a timely manner.

 

Yours .................

 

Right....... so what do i do now.... LBA or FSA or allocation questionaire and courts.... any advice as ever greatly appreciated, thanks

[dx100uk]

off to the FOS then.

 

dx

[laffing]

off to the FOS then.

 

dx

 

Thanks, do i just write to them or is there a form to fill in ???

[dx100uk]

complaints form on website

 

dx

[laffing]

complaints form on website

 

dx

 

Yes, got that... but just tried to ring them on the 0300 123 9 123 number and discontinued tone.... do they have a new number???

[dx100uk]

fill the form out

 

copy all you paperwork and theirs

 

post it all off.

 

dx

[laffing]

fill the form out

 

copy all you paperwork and theirs

 

post it all off.

 

dx

 

Thanks DX

[iconoclash]

Hi - I hope I can jump into this thread as Im getting no joy on my own - I am due in court tomorrow to deliver my answer to the lenders request to strike out my claim. My claim is mis-sold PPI and it is also over 6 years old but it is clear on the statements etc that I have - I have been arguing with this company for over two years now and have issued my claim in county court. Now they are trying to get it struck out under the limitations act before I even get my hearing - hearing is in august but reply deadline is tomorrow. I am stating that my date of knowledge is within 3 years as I did a SAR - this revealed the PPI which they say I knew all about etc - they are also saying the rule of tort restricts claims to six years but I think I can also use S.20 about mortgages and charges being twelve years... can anyone advise please???

[laffing]

Hi - I hope I can jump into this thread as Im getting no joy on my own - I am due in court tomorrow to deliver my answer to the lenders request to strike out my claim. My claim is mis-sold PPI and it is also over 6 years old but it is clear on the statements etc that I have - I have been arguing with this company for over two years now and have issued my claim in county court. Now they are trying to get it struck out under the limitations act before I even get my hearing - hearing is in august but reply deadline is tomorrow. I am stating that my date of knowledge is within 3 years as I did a SAR - this revealed the PPI which they say I knew all about etc - they are also saying the rule of tort restricts claims to six years but I think I can also use S.20 about mortgages and charges being twelve years... can anyone advise please???

 

Hi Campari

I would not be the best person to speak to about your claim but there are lots of knowledgeable people on here who would be able to give you better advice than me Hope all goes well with your court case today