A lot of callers and members have requested a list of the common fob offs that come from the Barclays Firstplus HQ...

1. A broker sold you the loan, nothing to do with us.
   (what they dont tell you is that this is a FIRSTPLUS policy and they are the intermediary in the sale, they also fail to tell you that it is them who profit from the sale, according to there latest financial accounts, they are currently in litigation due to a possible breach in law, whereas they are alleged to have made a secret commission)
2. The CAG went through a Demands and Needs form. Therefore not Mis-Sold PPI
   (I must of missed the part where the FSA, OFT and the Competition Commission when deliberating the ban on PPI stopped and said.. oh a demands and needs forms makes it all ok.. despite the fact that the policy is excessively priced and lasts just five years..  I dont Think So.. - We Say FOB OFF. --- Ever wondered why Barclays are the only Bank trying to get the ban overturned?
3. It was not an advised sale.
   Companies Such as Firstplus knew exactly what they were selling, and despite the regulatory regime at the time of the sale, the Policy goes against the key rule. "TREAT CUSTOMERS FAIRLY" clearly these PPI policies are entirely for the benefit of the Lender and not the consumer..
4. We lost your calls or calls were destroyed
   (This is happening, however when pushed the calls miraculously appear not to have been lost or destroyed. We suspect this to be another FOB-OFF)
5. Its Commercially Sensitive
   How can it be commercially sensitive, Firstplus have not been in the market since 2008.. judging by the slump, I am confident that any Commercail decisions made back then are no longer a matter of competition.  Commercially Sensitive = To Scared to Tell or the staff themselves dont have a clue how to answer it.... next time FIRSTPLUS ask why you cant pay, tell them its Consumer Sensitive.. lets see what they think of that!!

(Work In progress)

People.. Firstplus will do what they can to prevent justice, do not accept there response if they are telling you that there Terms and Conditions are fair.  Expert Industry Compliance officers have already stated that the terms are challengable under the Unfair Terms In Consumer Contracts.  The OFT are investigation secured loan firms at the moment and the terms will form part of that investigation.
If your complaint for PPI gets refused then dont give up.  We are here to help.  With access to barristers and other legal counsel, we can get you the help you need to Litigate Barclays FIRSTPLUS and take your action to court.  Even if the FOS has refused to uphold your complaint, we may still be able to Help.
YOU ARE NOT ALONE.. Join the Forums and see what others are doing.