In 2003 we took out 2 loans with GE Money(First National at the time) for replacement windows and door.
The loans included ppi's in my husbands name. A further PPI was set up in respect of the first loan in my name.
My husband has been off work for 16 years with severe depression and I have not worked since our eldest was born in 1983.
In April I wrote to GE Money stating that I regarded that the ppi in my name had been mis-sold(didn't notice the ones for my husband included in the loans ), and that they had 14 days to refund all monies paid in respect of the ppi. They advised me that I had requested this and that as it was set up after the loan it had not been mis-sold. Now I vaguely remember getting a phone call about this but can't remember the exact details.
In May I sent a SAR requesting transcripts and recordings of telephone conversations for all 3 accounts.
To date all I have received are the statements.
I again wrote to GE Money on the 31st October stating that I regarded all 3 ppi's as being mis-sold and requested refunds within 14 days. They didn't receive the letter until 7th November and said they would reply to our complaint within 28 days.
I have now received their reply which states that:-
The 2 ppi's in my husbands name were sold by the replacement window Co and therefore the quality of the sale should be taken up with them. (Surely they are responsible as they sent out the agreements for signature)
They have now confirmed that they rang me in respect of the ppi in my name and that the agreement was subsequently sent to me to read and that I had to option not to sign.
There was £29.71 outstanding on this ppi which they have now closed.
Now I know that the FSA guidelines/rules only apply to those taken out after January 2005, so writing to the FOS is not an option, but I still feel that none of these ppi's were suitable for us. (possibly mine for life cover)
The ppi's for my husband covered him for disability and hospitalization cover,
the ppi for me covered life and hospitalization cover
Apart from making a complaint to ICO in respect of the transcripts/telephone conversations not being sent, I'm not sure how to proceed with this.
Any advice would be appreciated.
The loans included ppi's in my husbands name. A further PPI was set up in respect of the first loan in my name.
My husband has been off work for 16 years with severe depression and I have not worked since our eldest was born in 1983.
In April I wrote to GE Money stating that I regarded that the ppi in my name had been mis-sold(didn't notice the ones for my husband included in the loans ), and that they had 14 days to refund all monies paid in respect of the ppi. They advised me that I had requested this and that as it was set up after the loan it had not been mis-sold. Now I vaguely remember getting a phone call about this but can't remember the exact details.
In May I sent a SAR requesting transcripts and recordings of telephone conversations for all 3 accounts.
To date all I have received are the statements.
I again wrote to GE Money on the 31st October stating that I regarded all 3 ppi's as being mis-sold and requested refunds within 14 days. They didn't receive the letter until 7th November and said they would reply to our complaint within 28 days.
I have now received their reply which states that:-
The 2 ppi's in my husbands name were sold by the replacement window Co and therefore the quality of the sale should be taken up with them. (Surely they are responsible as they sent out the agreements for signature)
They have now confirmed that they rang me in respect of the ppi in my name and that the agreement was subsequently sent to me to read and that I had to option not to sign.
There was £29.71 outstanding on this ppi which they have now closed.
Now I know that the FSA guidelines/rules only apply to those taken out after January 2005, so writing to the FOS is not an option, but I still feel that none of these ppi's were suitable for us. (possibly mine for life cover)
The ppi's for my husband covered him for disability and hospitalization cover,
the ppi for me covered life and hospitalization cover
Apart from making a complaint to ICO in respect of the transcripts/telephone conversations not being sent, I'm not sure how to proceed with this.
Any advice would be appreciated.
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