Jump to content


Forthright finance creditcare PPI advice please


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4218 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Dx100uk

Thanks for help ,does this mean BOS are responsible for the ppi ,i had a response from Direct car in the form of a one sentence letter.(we are not the respondents in this case.)

Should i just ask BOS to reconsider their decision as i feel they have note acted with due regard to section 56 of the CCA

Link to post
Share on other sites

no demand

 

copy in the sec 56 info

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

YES!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

What do you think

 

For the attention of…………..

Thank you for your letter dated 23/5/2012 the content of which is noted.

You have stated that you are not responsible for any concerns that I may have with mis-selling of the policy, however, may I draw your attention to Section 56 of the CCA below for ease of reference

CCA section 56.

— (1) In this Act “antecedent negotiations ” means any negotiations with the debtor or hirer—

(a) conducted by the creditor or owner in relation to the making of any regulated agreement, or

(b) conducted by a credit-broker in relation to goods sold or proposed to be sold by the credit-broker to the creditor before forming the subject-matter of a debtor-creditor-supplier agreement within section 12(a), or

© conducted by the supplier in relation to a transaction financed or proposed to be financed by a debtor-creditor-supplier agreement and “negotiator ” means the person by whom negotiations are so conducted with the debtor or hirer.

I await a more favourable response , if however you continue to state that you are not responsible then please provide evidence as to why the agreement is not bound by Section 56 of the act,

regards

Link to post
Share on other sites

  • 1 month later...

Need some advice i think this is a lost cause.

So to update on my PPI claim

 

Forthright finance owned by BOS claim they did not sell the PPI it was the Car Garage who sold me the policy's so it was not their problem and i should submit my claim to DCF where i bought the car,

Wrote to ACF whom now own the garage where direct car finance traded from and they say DCF went into receivership and they bought the name from the receivers " Price water-house and cooper" and are not responsible for the miss selling of the policy as they did not own the company at time of sale .What does anyone think do i give up on this?

Link to post
Share on other sites

Is your agreement regulated by the Consumer Credit Act 1974?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

OK so we know S56 applies then.

 

(Note to self - read the thread first)

 

So have you approached BoS with the S56 stuff? I see it has been mentioned before but not sure whether you have approached them with it?

 

If you go to fos they may not take any notice of S56 because recently they seem to be making things up as they go.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

Hi

Yes i sent them the letter as above but they just seemed to ignore it .I phoned their complaints department and they informed me as far as they are concerned they are not responsible and have closed the file, And their last letter informing me to take it up with the Car garage is their Full and final response

Link to post
Share on other sites

then you need to specifically ask them WHY

 

they think they are NOT coverd by sec 56 of the act that they signed.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

FAO a named person

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 1 month later...
  • 2 months later...

Had another letter from BOS but they are sticking with they didn't sell the policy,i have approached the FOS and they suggested i pursue the underwriters of the PPI (st Andrews Insurance in this case) FOS have suggested to me that the case is a 50/50 due to time but i have put the claim with them. so i don't expect to here anything positive.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...