AndyRVTR v Very Catalogue

[AndyRVTR]

Re: AndyRVTR v Very Catalogue

Sorry WendyB.... you've lost me????

[Turboman]

Re: AndyRVTR v Very Catalogue

Sorry WendyB.... you've lost me????

Wendy means this thread AndyRVTR

This is the thread

[WendyB]

Re: AndyRVTR v Very Catalogue

There are standard complaint forms you can fill in. There is a link to them on my thread. All I did was fill them in and send off to Black Horse, in my case. Keep a copy and if you get no joy you can send them to FOS. Presumably these are the forms they mentioned your wife would need to complete and they are so reticent to send out.

[AndyRVTR]

Re: AndyRVTR v Very Catalogue

Hi there Wendy... yes that is the form that we received, well very simmilar, probably just an updated version, but with the same headings..... so, we will fill this in tonight and send it off asap....
Thanks again for the help

Cheers Turboman for your help too...

[AndyRVTR]

Re: AndyRVTR v Very Catalogue

Hi all... we have received this letter from Very after waiting a few eeks while they 'looked into our claim'.
My wife catagorically states that she has never received any phone calls or letters from Very/Littlewood as they state.
Now I know under data protection, we can ask to see copies of these letters as well as the alleged calls that were made to her, so I presume as PPI would have been discussed (as they claim) these 'calls' would have been recorded.
I have attached a jpeg copy of the letter so hope this can help.... sorry for the quality...
Has anyone any suggestions as to what course of action to take now please??
Thanks as always.....

[AndyRVTR]

Re: AndyRVTR v Very Catalogue

Anyone??

[di30]

Re: AndyRVTR v Very Catalogue

Hi Andy

So sorry to hear the outcome of this.

Even though they are stating you can complain to the FOS, they are also stating its unlikely they will be able to adjudicate this because basically the business were not regulated as such.

However, you can still complain to the FOS and they will possibly suggest the underwriter/insurer avenue instead.
They have suggested this direction to many in the same position as yourself as another way of trying to get your money back to you.

Give the FOS a call after the bank holiday on the free phone number, and let us know what they say, we can move on from there, try not to worry.
http://www.financial-ombudsman.org.u...act/index.html

[di30]

Re: AndyRVTR v Very Catalogue

Coming back to this Andy, but do you know who the insurer/underwriter was of this policy?
Even though it was the Cat Company that sold you this, did they ever enclose the details of the insurer in case you needed to make a claim?

Sometimes they do not send you these documents until you request for them, as they are not always enclosed with any documentation you may have of the Catalogue.

If you are not sure, then write again to the Catalogue and ask them to provide you with a copy of the Insurer details (of who would be dealing with your claim - if ever you needed to make one).
They must send you this document on request.

As soon as you receive this document, the details of the Insurer/underwriter are enclosed, you then pursue these, and if this fails, its likely then the FOS will take this case on as they would highly likely have been regulated, as you will be aware the FOS are only able to investigate complaints if they were regulated.


Going back to what I have mentioned in my post before this one, the FOS will now normally suggest this direction if your unable to take this up with the broker that sold you the account.
Reason being is they will have a liability somewhere, as they taken you on and realistically should have ensure you wanted this cover, as it was optional, even though the broker sold it, there is a relationship between both the Catalogue and the Insurer, think you may get my drift.

I will warn you though, it will probably take some time, but still its another way of trying to get back what rightfully belongs in your pocket.

As also suggested in my other post above - do though contact the FOS first and get this confirmed by them, we can move on from there.

[AndyRVTR]

Re: AndyRVTR v Very Catalogue

Thanks for that Di, I really, really appreciate it.... I will give the FSO a call on Tuesday and see what they say, I'll ket you know as soon as I get the answer...

[di30]

Re: AndyRVTR v Very Catalogue

Thanks for that Di, I really, really appreciate it.... I will give the FSO a call on Tuesday and see what they say, I'll ket you know as soon as I get the answer...

Your very welcome Andy, we will try to work around it, no worries.

[AndyRVTR]

Re: AndyRVTR v Very Catalogue

Hi all, just another quick update..... I called the FOS on the 29th August and spoke to a very helpful guy who basically told me that they would take our claim on board in the hope of getting something back from Very.
He asked me to write to Very asking them for details of the Insurer so they could proceed on our behalf.
I sent the letter to Very on 10th September asking them for copies of letters they claim to have sent, they were unable to supply these only sending photocopies of the PPI documents which relates to Aviva (Norwich Union) being the insurer.
I also asked them to send recordings of the alleged telephone conversations in which they state PPI would have been discussed with the Mrs, they say they are unable to supply these as their recordings of calls did not start until 2003..... hmmm strange that!!
Anyway, I'll call the FOS tomorrow morning and see what they say....

[AndyRVTR]

Re: AndyRVTR v Very Catalogue

Yet another update to this ongoing saga, I didnt manage to get throught to the FOS as I had planned through one thing and another, so went down a different route. As Very were unable or unwilling to help me with the insurer policy number, I contacted Aviva direct on 4th October to see if they could supply me with the policy number and we received a letter off them on the 14th. It basically said that Aviva write the policy on their behalf and Very sell and administer them, so it is they who should supply me with the policy number, Aviva only deal with claims which arise.
So, off with yet another letter to Very with a copy of Aviva's letter attached giving them 14 days to reply with a satisfactory outcome, or I will simply hand this to the FOS and let them deal with it. All I want is the flamin policy number, you would think I was asking for money

[AndyRVTR]

Re: AndyRVTR v Very Catalogue

Just an extra thought guys..... What would be the consequences if we wrote to them refusing to make any further payments on our account until this is sorted out??

[di30]

Re: AndyRVTR v Very Catalogue

Hi Andy

Sorry for my late response.

In regards of the policy number I'm not too sure if there is a separate number as such with catalogue insurance, for example, unless you wanted to make a claim, on maybe the item from the catalogue.
But as long as you know who the insurers are, the FOS will be able to pursue them by using your catalogue account number.

However, I am not sure about missing any payments though, as this may also affect the reclaim, but unless of course your in hardship with the payments and come to an affordable arrangements, but missing them may cause problems, unless someone else can clarify on this.

[AndyRVTR]

Re: AndyRVTR v Very Catalogue

Thanks as always Di, yet another letter arrived from Very this morning saying that their stance had not changed and they would not be discussing this matter any further!
However, they did tell me that my policy number was my 'catalogue account number', WTF they didnt tell me this in the first place I dont know, I had steam coming out of my ears when I read it.. grrrrrr...
Anyway, I called the FOS and informed them of the account number, so they are now going to get involved and hopefully come up with some sort of happy ending..... fingers crossed.... :tinysmile_hmm_t2: