Re: Latest updates on PPI Judicial Review and claims on hold
Afternoon extremely knowledgeable and information loaded guys and girls.
Firstly let me say a massive thank you for the wealth of information that is supplied in these forums. It is amazing and helps the average Joes like myself keep up to date-especially with the PPI scandal. So a big thank you to all of you.
Hopefully I'm not hi-jacking this thread but just would like to put my situation forward and get views from you people in the know.
I'm currently in the process of claiming back PPI payments from both FirstPlus and MBNA on behalf of my parents. The FirstPlus PPI is still being paid as the loan was took out about 4 years ago and is being being paid over 10 years. He is only insured for 5 years with the PPI buy paying it over 10 years at a cost of £80 per month. The MBNA PPI was for loans with them over a period of 10 years and all the accounts with MBNA are now settled. Both MBNA and FirstPlus missold the PPI as the payments including interest were not clearly explained and my parents were made to feel that PPI was compulsory and that their application couldn't be processed without PPI.
During the 8 weeks from when I first complained to FirstPlus I have had a few phone conversations and letters from FirstPlus. The letters have just been the usual postponing letters however I did receive a letter a week after the 8 week time limit from FirstPlus informing me that my complaint is on hold because of the judicial review. No mention of time limits the only thing that they mentioned was that I was able to take my case up with the FOS as FirstPlus had took longer than the 8 weeks.
With the phone calls I had with FirstPlus they informed me that they would check all conversations my dad had with FirstPlus with reference to the loan application to see if the PPI was missold. I asked could I have access to these recordings and I was told only if my complaint was not upheld.
Surely if there had been anything in the phone calls that FirstPlus could of used to show they DIDN'T mis-sell the PPI they would of loved nothing more than informing my dad of this? Regardless of the judicial review. Surely if they could close the case now with whatever proof they had that it wasn't missold they would of absolutely jumped at the chance?
MBNA have had their 8 week time limit also and I have received nothing back. So I am expecting a letter soon saying it is on hold because of the judicial review.
I have not took either of my cases up with the FOS yet as I have heard this could take even longer for it to be resolved.
Your views, comments and advice are greatly appreciated.
Thanks for reading
SoapyBubbles
Afternoon extremely knowledgeable and information loaded guys and girls.
Firstly let me say a massive thank you for the wealth of information that is supplied in these forums. It is amazing and helps the average Joes like myself keep up to date-especially with the PPI scandal. So a big thank you to all of you.
Hopefully I'm not hi-jacking this thread but just would like to put my situation forward and get views from you people in the know.
I'm currently in the process of claiming back PPI payments from both FirstPlus and MBNA on behalf of my parents. The FirstPlus PPI is still being paid as the loan was took out about 4 years ago and is being being paid over 10 years. He is only insured for 5 years with the PPI buy paying it over 10 years at a cost of £80 per month. The MBNA PPI was for loans with them over a period of 10 years and all the accounts with MBNA are now settled. Both MBNA and FirstPlus missold the PPI as the payments including interest were not clearly explained and my parents were made to feel that PPI was compulsory and that their application couldn't be processed without PPI.
During the 8 weeks from when I first complained to FirstPlus I have had a few phone conversations and letters from FirstPlus. The letters have just been the usual postponing letters however I did receive a letter a week after the 8 week time limit from FirstPlus informing me that my complaint is on hold because of the judicial review. No mention of time limits the only thing that they mentioned was that I was able to take my case up with the FOS as FirstPlus had took longer than the 8 weeks.
With the phone calls I had with FirstPlus they informed me that they would check all conversations my dad had with FirstPlus with reference to the loan application to see if the PPI was missold. I asked could I have access to these recordings and I was told only if my complaint was not upheld.
Surely if there had been anything in the phone calls that FirstPlus could of used to show they DIDN'T mis-sell the PPI they would of loved nothing more than informing my dad of this? Regardless of the judicial review. Surely if they could close the case now with whatever proof they had that it wasn't missold they would of absolutely jumped at the chance?
MBNA have had their 8 week time limit also and I have received nothing back. So I am expecting a letter soon saying it is on hold because of the judicial review.
I have not took either of my cases up with the FOS yet as I have heard this could take even longer for it to be resolved.
Your views, comments and advice are greatly appreciated.
Thanks for reading
SoapyBubbles
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