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One for Di I suspect.
Was merrily plodding along thinking I have all the bases covered and was thinking everything would end up at FOS if they dont settle.
Yesterday letter arrived from FOS saying they cant deal with this claim
Just when you think the finance industry cant surprise you anymore it does.
Have had a troll about the net and cant really see much to help either.
So where are we at with them?
Have obtained a SAR. We do have PPI on it. There is over £300 in premiums and when interest is calculated as per FOS this comes to a sum of around £650.
So if its at all possible I would rather its in our pocket than some bloody banker.
Next the account runs from Nov 2001 (where I suspect the problem lays) until 2008. Was paid off and closed so no debt exists so will be a pure PPI reclaim.
Reason for claim. Quite clearly the tick for PPI is in another hand from my OH's. Her ticks are contained within the boxes throughout the application form. The tick for PPI is enormous.
There are other reasons such as employment status but this is the one we feel most strongly about. Be it sales assistant or Creation themselves it wasnt wanted or suitable and therefore we want it back.
We have complained to Creation who just ignored us despite us have proof of postage they recieved the FOS complaint form. (Still surprises me they dont reply. Even a one liner piss off letter is better than nothing)
After the required 8 weeks of nothing have banged in the complaint to FOS saying and proving Creation had the chance to deal but just ignored.
And this is where the letter of yesterday comes in.
They have referred us to the FSCS who seemingly wont do anything.
So presume its the underwriter or insurer route.
In our SAR there is a policy document for the PPI. St Andrews Life Assurance and St Andrews Insurance Ltd are named as the insurers but crucially this document is from 2007. That said the account was still running and the coverholder is named as Creation Financial services Ltd not the OH.
Within the terms there is an employment derogation which is clearly present on the application form which would make the policy invalid and hence a miss sell. Even if the evidence of a tick by someone else doesnt.
So my question is because I should be sitting in Pixies naughty corner for not paying attention at school is where do I go from here?
Do I have to go via the FSCS just to keep the claim ticking along (Keep the trail correct) expecting them to say get lost or do I approach Creation to ensure it was St Andrews who is the insurer but in 2001 or do I just chase St Andrews because posters on here know this is Creations chosen partner throughout.
PS the account was a JJB account. So there is no mileage in anything there as they are long gone now.
Many Thanks
Was merrily plodding along thinking I have all the bases covered and was thinking everything would end up at FOS if they dont settle.
Yesterday letter arrived from FOS saying they cant deal with this claim
Just when you think the finance industry cant surprise you anymore it does.
Have had a troll about the net and cant really see much to help either.
So where are we at with them?
Have obtained a SAR. We do have PPI on it. There is over £300 in premiums and when interest is calculated as per FOS this comes to a sum of around £650.
So if its at all possible I would rather its in our pocket than some bloody banker.
Next the account runs from Nov 2001 (where I suspect the problem lays) until 2008. Was paid off and closed so no debt exists so will be a pure PPI reclaim.
Reason for claim. Quite clearly the tick for PPI is in another hand from my OH's. Her ticks are contained within the boxes throughout the application form. The tick for PPI is enormous.
There are other reasons such as employment status but this is the one we feel most strongly about. Be it sales assistant or Creation themselves it wasnt wanted or suitable and therefore we want it back.
We have complained to Creation who just ignored us despite us have proof of postage they recieved the FOS complaint form. (Still surprises me they dont reply. Even a one liner piss off letter is better than nothing)
After the required 8 weeks of nothing have banged in the complaint to FOS saying and proving Creation had the chance to deal but just ignored.
And this is where the letter of yesterday comes in.
They have referred us to the FSCS who seemingly wont do anything.
So presume its the underwriter or insurer route.
In our SAR there is a policy document for the PPI. St Andrews Life Assurance and St Andrews Insurance Ltd are named as the insurers but crucially this document is from 2007. That said the account was still running and the coverholder is named as Creation Financial services Ltd not the OH.
Within the terms there is an employment derogation which is clearly present on the application form which would make the policy invalid and hence a miss sell. Even if the evidence of a tick by someone else doesnt.
So my question is because I should be sitting in Pixies naughty corner for not paying attention at school is where do I go from here?
Do I have to go via the FSCS just to keep the claim ticking along (Keep the trail correct) expecting them to say get lost or do I approach Creation to ensure it was St Andrews who is the insurer but in 2001 or do I just chase St Andrews because posters on here know this is Creations chosen partner throughout.
PS the account was a JJB account. So there is no mileage in anything there as they are long gone now.
Many Thanks
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