PPI Loans.co.uk letter from FOS

[southportuk]

Hello everybody

 

Loan taken out 15-03-03

 

I've complained to the FSO about loans.co.uk and they sent me a letter saying they are unable to consider the complaint. Now I've 21 days to disagree but I do not know what to put in the letter.

 

Please could anyone give me some advice

 

enclosed letter PDF [ATTACH=CONFIG]41980[/ATTACH]

Edited February 27, 2013 by southportuk

[ims21]

Hi

 

The attachments you posted are too small....you need to convert them to PDF.

 

Use this method by dx100uk

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try http://www.pdfescape.com TO BLANK STUFF,

************************* ************************* ***********

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use http://www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

 

Loans.co.uk have been known to pay out. Can you tell us the history of all this prior to your passing it to fos.

[dx100uk]

tell us the history please

 

why did you go to the FOS

 

did loans.co.uk fob you off?

 

srange as they have coughed quite a few times here already

 

dx

[southportuk]

Thanks for the help letter now in pdf format

 

Working on history

[southportuk]

Yes loans would not pay me out because the loan was before 2005 so I went to the fos

Edited February 27, 2013 by southportuk

[southportuk]

Here is the credit agreement loan.co.uk (igroup) Pdf [ATTACH=CONFIG]41982[/ATTACH]

[dx100uk]

fos

 

so where do loans.co.uk come in then.

 

the fos tried them for you?

 

dx

[dx100uk]

igroup

 

thats GEMONEY

 

they are still going

 

who did you sent the PPI claim too?

 

dx

[southportuk]

@dx100uk

loans.co.uk arranged the loan

yes the fos tried them for us

sent the ppi claim to loans.co.uk

 

here is letter of complaint loans.co.uk [ATTACH=CONFIG]41985[/ATTACH]

[dx100uk]

IMHO i would of sent the reclaim to the address on the agreement.

 

first

 

 

dx

[southportuk]

I did send them a letter to the address on the agreement that's how I found it was loans.co.uk

Edited February 27, 2013 by southportuk

[dx100uk]

what

thats a reclaiming CMC

nothing to do with igroup.

 

lets just be clear

you have not employed a cMC have you?

 

you are doing this yourself.

 

dx

[southportuk]

sorry about that attached wrong letter

[dx100uk]

so tell us the story

 

we are all volunteers here and do this for free

 

if you've used a CMC and got stung tell us.

 

but please dont try and con us.

 

dx

[southportuk]

The letter I got off the -fos- gives me 21 days from 13 feb 2013 that's about 5 march to disagree times running out. what shell I write in the letter ?

[southportuk]

No con you have seen the letters I have sent and got back that letter was from a company I was going to use but did not use.

[dx100uk]

ok thank you for being honest.

 

dont fret about the fos yet.

 

so the fob off letter from the agreement address then please

 

dx

[southportuk]

my 10 post

[southportuk]

my other half says I did not send them a letter I rang them after reading this http://www.gemoney.co.uk/en/insurance/PPI_Insurance_Important_Notice.html and thats how I found out it was loans.co.uk that I should chase

[dx100uk]

urm...

 

thats how you got fobbed off that you should go after them you mean

 

under section 56 of the CCA igroup and their reps [which is clearly mentioned it was]

on that agreement ARE your target.

 

dx

[southportuk]

so who is the insurance with - and how do I go after igroup when they say its loans.co.uk and why did the fos not try igroup, the fos sent me that copy of the agreement ?

[dx100uk]

you haven't gonr after igroup.

you've been fobbed off.

 

thats how GE money get rid of 90% of their claimants on PPI.

 

you need to sent them a proper claim.

 

FOS CQ

a spreadsheet of the monthly PPI charges+int accured + 8% stat s69 on top

 

what other paperwork have you got ...

 

 

any statements at all

 

did you ever SAR iGROUP for them.

 

the FOS wont progress a claim unless you have final response letter from igroup.

 

you could write or call them and explain what you have discovered.

 

we cant answer why they've not gone after igroup, p'haps they realied upon you

fob off phone call.

 

IMHO they are wrong

you need to follow the chain

and expire igroup first.

 

but as related in the first posts here

 

loans.co.uk have coughed several times.

 

but its also worthy of note that yes car are now owned by provident group.

 

dx

[southportuk]

thanks for the help I will keep you informed- sorry about the mix up before - bed time thanks again

[southportuk]

just made a call to the -fos- about my claim they said that igroup, ge and loans.co.uk are the same company. -Fos- have told me that I need to find out who the underwriter of the policy is with and go after them. Plus -fos- said don't send -sar- it costs they will give you the information on the phone for free

[southportuk]

Bingo just found this on a paper saying: for those with payment protection insurance cal lCIGNA International

[ATTACH=CONFIG]41997[/ATTACH]

Now do I send CIGNA International a letter of complaint