Pre-2005 PPI London Scottish

[Dustyd]

Wonder if anyone has any next step guidance re pre-2005 PPI claim?

 

I have been battling with London Scottish for a 16th December 2004 executed loan which had £6,000 PPI pre-added to the contract.

 

It obviously sticks in the throat as it was less than a month before regulation kicked in 14th Jan 2005.

 

As London Scottish (LS) went into administration, I approached them and the declined any wrong doing (about 18 months ago) I then went to FOS who have case workers who suggested they go after the underwriter Aviva.

 

Top cut a long story short, this has been going on for 17 month, and I have had various case workers who have left the FOS along the way. although the previous case worker told me they were approaching Aviva for a group of borderline cases (mine included) who they felt should be refunded by the underwriter.

 

As I said, the previous last case worker left last month (out of office email saying no longer works there), so I decided to upon calling last Friday 12th October for an update to a general line at FOS I was told there was no new, and no correspondence between Aviva and FOS in months.

 

Today (Monday 15th October) I took a call from a new guy at the FOS who told me (despite nothing new only a few days prior) that the FOS had ruled there was nothing for Aviva to answer, as there's no proof of a link between LS and Aviva (the only contract/documents I have have no Aviva reference just the LS ref, with the generic Aviva underwriting policy). He said he would put it in writing, and I have the right to appeal.

 

So palmed off by FOS, palmed off by LS, the FSCS say I have to have something from FOS anyone have any ideas how I can pursue.

 

FYI, I have all the original contracts, and it is clear the PPI was pre-printed with no option to delete.

 

Thank you in advance,

 

Dusty

[dx100uk]

hi dusty

i've moved your thread to the PPI forum

 

if you have a browse around here or use the search top right

 

i think you'll find at least one success whereby the administrators of london scottish coughed

 

just type in london scottish

 

 

 

dx