Yes Car Credit PPI REclaim *** Resolved***

[dx100uk]

Paid loan off in November 2000.

 

But see this

Vincent Cunningham v Friends Provident | This is Money

 

I don't know if you have seen it already but it seem to me to say that the six year period

only begins when the claimant becomes aware of the wrong!

meagain argues the same in one of his posts.

 

I am going to go after them for negligent mis-representation under Section 2 (1) of the Misrepresentation Act of 1967

which allows for damages and it reverse the burden of proof,

obliging the defendant to show he had reasonable grounds to believe what he said was true.

 

In other words I assume they will have to show that Bank Policy at the time w

as not to grant loans unless customers took out a PPI.

 

There was no reason for me to take it out and I have never had it before or since.

 

There actions were opportunistic!

 

They knew that I did not need the insurance they sold me but they knew I needed a loan!

 

This starts to get interesting.

 

Will draft my prelim letter over the next few days.

Are there any strict tests of miss-selling which would have applied in 1999

and does anyone know what Lloyds APR was for loans in 1999 my statements don't tell me?

[dx100uk]

nicked from another thread

 

dx

[ukdarrenfan]

Thanks. Found what I was looking for on the FOS website and tried to post the link, but apparently am not allowed as I'm a newbie. Thanked them for welcoming me to the forum so nicely and told them they were wrong.

[ukdarrenfan]

http://forums.moneysavingexpert.com/showthread.php?t=4445065

still convinced they are right....

[dx100uk]

really!!

now thats strange because martin is one of the major campaigners from day one

he himself knows it cant be sb'ed!!

 

dx

[dx100uk]

god thats amazing pinky123 is so blinded

 

you are not quoting FOS anyhow

but statute of limitations act sec 32 c 'when you became aware'!!

 

how inept of martins site.

 

dx

[ukdarrenfan]

Good job I didn't go there for any advice, or I wouldn't be trying to claim for anything. They'd have me believing that all my loans are time barred...

[dx100uk]

its actually on THEIR SITE TOO!

 

If your policy ended over six years ago: The ‘statue of limitations’ means banks don’t need to keep records that are over six years old. However, there is no official cut-off time so if you’ve still got the paperwork, while your chances of success are a little lower with older loans, many still do successfully reclaim.

 

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

 

scroll down to the questions section

 

dx

[ukdarrenfan]

'Actually, giving you the correct advice IS a nice welcome to the forum' Was the latest reply. Why does everyone over there insist that I cannot file a court claim?

[postggj]

i gave up on MSE a long ago. It is full of self centered bigots who think they can practice barrack room law and belittle people. The consumer action group forum has a vast knowledge base and its sub forums that specalise in the relevant subjects is the difference that MSE cannot duplicate.

 

MSE go by opinion and what they think the law is and by reading Wikipedia, which is very dangerous. CAG quotes, well i do anyway, the statutory legislation to quote in any dealings with organisations, Something sadly lacking in MSE

[ukdarrenfan]

I like it here...I'm not going to venture anywhere else now. Try to help someone in the same situation over there and that's what you get. At least you don't get talked down to here. I might not have any financial know-how, or much understanding of court, etc, but all I get on this forum is encouragement.

[ukdarrenfan]

Found this when I was browsing through my SAR information. It details the commissions payable on the PPI and warranties.

[ukdarrenfan]

Well the 8 weeks was up on Tuesday and still heard nothing. The info was sent recorded delivery, but wasn't signed for as the address is a PO box. What happens now? I don't want to try another address and have to wait the whole 8 weeks again. I used the same address as when I sent the SAR request and that wasn't signed for either.

[postggj]

I cannot understand why your post 37 has not been answered. You have it in black and white secret commission payments were made without informing you

 

you now have full redress under Wilson v hurstanger

[ukdarrenfan]

So are these definitely classed as 'secret commissions' then? I'm looking for a good legal argument to take them to court. What should I do as they've not replied? As nothing's been signed for they could say they've not received it. Will I have to allow another 8 weeks now?

[postggj]

i will get back later if you have no replies

 

certain posters do not like me posting advice as they only use it for juvenile comments

 

your legal argument is case law Wilson v hurstanger

[ukdarrenfan]

Thanks. I had plenty of juvenile comments on the MSE forum. Gave up over there. I wonder how many people have given up after their advice.

[dx100uk]

i will get back later if you have no replies

 

certain posters do not like me posting advice as they only use it for juvenile comments

 

your legal argument is case law Wilson v hurstanger

 

no on this thread

 

get on with it...

 

dx

[postggj]

not on this thread, but you do know who are the guilty suspects, do you not agree ????

[dx100uk]

I concerntrate on helping people

rather than looking for issues I don't like.

 

don't bite..don't waste you valuable time here

 

people need your help

 

dx

[postggj]

Not going off topic and i will say this only once, i will now give my full attention, that includes any requests for help. All i ask in return is that if any issues arise, i expect a guarantee those perceived issues will be dealt with with due diligence. I do not abuse or insult people, and that i expect the same in return

[dx100uk]

where you are helping on threads I am involved in

off topic banter will not be tolerated.

 

what goes on elsewhere is your choice to enter into or not.

 

dx

[postggj]

agreed

 

now lets get on with it:wink:

[ukdarrenfan]

Well the postman has been and gone and still no sign of anything. What should my next step be?

[postggj]

I will be back later tonight, i am celebrating and going to a long overdue party at todays news report