Greetings....

[AndyRVTR]

Hello everyone... I have joined the site in the hope that someone may be able to help me with a query that I have regarding 'Very' catalogue ppi, (called Extra Care Advantage) and if I am able to claim this back in the same way as I did against Barclaycard, Egg and the Halifax. Thanks in advance...
Andy

[pompeyfaith]

Re: Greetings....

Greetings Andy,

Welcome to Legal Beagles, yes the process for catalogues is much the same do you have all the statements detailing what you paid?

I would start by making a thread in the PPI forum as that is where you will target the best help.

Regards

[AndyRVTR]

Re: Greetings....

Great news... thanks....
I will have some statements, possibly going back 12-18 months, but we have had this catalogue for years.. is it still 6 years that we can claim for?

[pompeyfaith]

Re: Greetings....

6YRS good heavens no you can claim back as far as you can proof so with that in mind it is SAR time to gather the information.

I would send of a subject access request for all the account history they hold including statements screenshots of account history etc do not tell then why you want this info as you are legally not required too.

A bit of work before you submit your claim can bring dividends.

I have claimed back as far as March 1999

Many companies try to use the 6 yr rule to us it is known as damage limitation.

But section 32 of the limitations act is very clear

32.--

• (1) .... where in the case of any action for which a period of limitation is prescribed by this Act, either-
  • (a) the action is based upon the fraud of the defendant; or
  • (b) any fact relevant to the plaintiff's right of action has been deliberately concealed from him by the defendant; or
  • (c) the action is for relief from the consequences of a mistake;
  
  

the period of limitation shall not begin to run until the plaintiff has discovered the fraud, concealment or mistake (as the case may be) or could with reasonable diligence have discovered it....

So in laymans terms the 6 yr rule applies to the linitations act i.e you have 6 yrs to make your claim, but and this is a big but the time does not start until you have discovered the mistake the financial mistake being that they missold you are worthless PPI policy.

They is no law that says how far you can claim back that is misconceived and helped by the financial industry.

http://www.legislation.gov.uk/ukpga/1980/58

[Turboman]

Re: Greetings....

Hi Andy

Have asked Di30 to join you in your other thread--after shes had tea

[pompeyfaith]

Re: Greetings....

Righty you have set up the other thread fantastic ill copy my post above over for you just to keep it all neat