Hi there whether I signed a contract or not is irrelevant. I cannot remember signing a contract, but if I did then I would have been under the impression that it was for First Debt Finance and not for One Debt Solution as explained at the time I applied to do this, it was for to be with one particular company only and not for another, as in this instance you cannot have 2 plans.
With First Debt Finance (which is the company I intended to be with) I applied to be with them online.
Whilst that was happening I received a phonecall of sales from One Debt Solution in which I was under the impression that these people were First Step Finance.
There is a big question here, where did One Debt Solution get my phone number from?
I did not intend to be with One Debt Solution and only intended to be With First Debt Finance - in which later on this whole confusing discovery was made.
If anything I would have assumed that One Debt Solution and First Debt Finance were all part of the same company hence the similarities in names there.
Which is why whether I signed a contract or not doesn't count and this is what I have tried to explain to One Debt Solution, but the question is where did One Debt Solution get my number from? and were they really posing to be the same company as First Step Finance?
One Debt Solution need to understand that I assumed that they were to do with First Debt Finance and as I already explained that I applied only to be with First Debt Finance and no one else.
But since One Debt Solution are refusing to cooperate I may suspect of them.
As far as reading and as far as I could remember I knew who I was signing for. I could see that it was the PPI company which as far as I was concerned there was only one company going on.
And what was in the documents to suggest that they were working together is that they were doing exactly the same as the other company that I applied for online in the first place and as well as the company names being similar, not realising I made a mistake here - and in a natural mind continued filling out the application.
But the question I have to ask here which is responsible for my mistake is where did the second company get my telephone number from? Leading me to believe that they were the first company.
The differences just did not occur to a natural mind as I plainly believed that this was for only one company not knowing that there were two companies going on here until I did a summary check of how much I've paid into my plan as of (approximately) March 2012.
It was completely oblivious to me that there were two companies going on here posing as the same for all this time and that it was when I did what I did in March that I made this discovery that they were actually 2 separate companies of no relationship to each other.
So therefore reading what I was signing for assuming all along that they were all one company.
(There are some other actions I could still do - to write to the company via a recorded delivery, as communication with them has been done via email)
I would need to be able to find a relevant obudsman to do this as most would only deal with insurance companies. I would perhaps contact the Trading standards or the office of fair trading.
Thankyou for the help sofar
Just one more query:-
Where did the second company get my mobile phone number from? Leading to such mere confusion.
Further to the previous question.
My arguement would be that such errors would not have been rekognise in such a short period of time such as the 14 days cancellation period in their terms and conditions, not even after maybe 1 month or 2 months would this problem have been noticed, as I already said this was completely oblivious unnoticed until I discovered it when I out of curiosity did a summary check of how much I paid into my plan back in March.
It was entirely out of curiosity that I did what I did in March which I made a random check of how much I had paid in to my plan with the company. What I did was simply added up the amounts that had been debited from my bank account and then contacted the company to see that they had the same figures as I had and then it was there and then I had noticed a major difference of £100s in the figures - otherwords were suggested to me as a shortfall.
Had I'd not done this what I did in March then this whole problem would have still been unoticed to me right now.
Problems like this can lie unnoticed for many years which is why such companies came about trying to help refund Payment Protection Insurance to customers to whom they did not know that they had been paying so.
Records on checks can go back as far as 7 years or maybe up to 10 years, i'm not sure of myself.
But in my situation I've managed to find this problem quite soon otherwise I would may have never known.
For example:- you cannot have 2 insurances on the same car otherwise is classed as being double insured, which is not allowed.
In this case you cannot have 2 different plans being dealt with 2 different companies.
You may have come to the understanding of this case, as describing this case has taken a long describing, or a number of ways to write.
(feedback will be rated in due course)
Well there may be a breach of contract as you say because the second company has taken monies from me and has not done anything with it. None of my creditors have received any monies and neither have First Debt Finance received any.
They should either pay the monies to my creditors as agreed
Or pay the money to First Dept Finance
Or pay the money straight back to me so that I can then pay the money where it should have gone to in the first place.
Whats happened here is the firm has just taken my money and not done anything with it - they have just kept it to themselves,