Hi Jenny. My case is proof that it's quite easy to claim back. Use the templates and read around the issues on here. Money Saving Expert is really good too. You don't need to pay any company to do your work unless you want them to and are happy to pay a fee like you say. For me, I claimed £800 back and one letter and one phone did it, as they'd not 'sold' the policy properly (which is the case for many PPI's sold until recently. Tip for you ---- If you've been mis-sold PPI, word the letter correctly, using one of the CAG or MSE templates, the banks / finance companies know they're bang to rights. If they don't settle with you, the ombudsman can impose compensation on them. Think £££'s Good luck. The experts on here are very good as well!

Cheers folks. I'm glad to get this sorted, as if it had gone further, I couldn't have paid the bailiff what he was demanding, and it would have been bad on my health and family too. Fair play to the person at the company office who handled the case and allowed sense to prevail.

Re; Cahoot Flexi Loan. PPI mis-sold. After ONE letter (my reminder has crossed in the post) they (Santander, was Cahoot) have upheld the complaint and offered to refund me in full. £550 PPI premiums, plus £250 interest = £800.00 on its way when I send in the agreement form. Very, very happy indeed!

After ONE letter (my reminder has crossed in the post) they (Santander, was Cahoot) have upheld the complaint and offered to refund me in full. £550 PPI premiums, plus £250 interest = £800.00 on its way when I send in the agreement form. Very, very happy indeed!

The bailiff won't be back as the company concerned has withdrawn him off my case, and allowed me to pay the initial, pre-bailiff, amount which I wanted to do anyway. Thanks to this site and the people who post on here with free advice, I wrote letter of complaint and common sense has prevailed. The council will get its money too. So, we are all happy, bar one person

Bailiff asked me for £400 for unpaid pcn (parking ticket). He had refused to negotiate and threatened another £140 minimum for another visit. I complained about it to the company head office using advice off this forum and having researched the subject myself. The outcome is that they have withdrawn the bailiff, and his 'fees', and allowed me to pay the initial amount which is over £200 less and given me a bit of time to do this, so I am happy now. Many thanks to the regular posters on here for your advice and the time you put in. That's saved me a lot of hassle and stress.

That's a key point and shouldn't be under estimated as I know from very unpleasant encounters with money-grabbing bailiffs. I am referring to those private operators who collect unpaid parking fines and council tax. If they smell any fear, they'll see that as a GREEN LIGHT to fill their boots. Likewise, any sign of ignorance of our rights and they'll do the same. That's the difference a site like this and the work that volunteers can make. Once the bailiff knows that you know your rights and that you are not scared, the chances are that they'll move on to an easier target. Or, at the very least you won't get ripped off. They don't like dealing with calm, rational, confident and knowledgeable people who they can't 'head-work' as they're unlikely to clean up the extortionate profits they are looking to make. They play a numbers game. I get the impression that they look for the weakest, most vulnerable targets for the maximum profit. A very, very sad state of affairs indeed; and some of these characters wouldn't be out of place in the dark Victorian or even Dickensian days!

hi CD,firstly, I hope you are feeling better than you did. This is a most appalling way to treat you and shows how cold blooded and downright dishonest some of the snakes can be. They have no feelings or ethics at all. Wishing you well. There may have been other breaches too, for example the Fraud Act. Whoever is behind this (whichever company) needs to be brought to book and I am sure will be. Defo consult your MP too as there is an ongoing campaign to keep Parliamentarians aware of how bad this problem is. Best wishes to you.

so sorry you have been subjected to this disgusting and inhuman treatment. one of the resident experts will tell you more about your rights. this seems to be an example of how bad bailiffs can be and how absolutely dishonest they are. which company were they from?

Click on New Thread on the main Bailiffs page - this link will take you there. Best Wishes!

Some of them do. The one I recently dealt with sure did. When I started referring to the laws and statutes, he brought the phone call to an end. They actually break their own code by behaving so badly as one the rules is not to bring the debt collection industry into disrepute. I do wonder about what training these people get and who trains them, as they don't do reason. I feel it's more than one or two bad apples as well as the ones collecting council tax and parking fines seem to have the same appraoch / script. mmmm?

does anybody think it is ok for a certificated bailiff to lie, deceive, harass and squeeze ridiculous amounts of money out of people? by the way i am not suggesting those who can pay shouldn't. however, should you have to pay £200 for one bailiff visit, where all they have done is put a scruffy letter through the box? that's what happened to me. i said no way. i will pay what the LAW says i should. and not a penny more! comments please.

HCE, are you a public/civil servant or a private contractor? i'm not going to insult you by the way. just interested as all our experience here being on the receiving end of certificated bailiffs collecting debt for councils for example, are really bad. my only 'positive' experience of a bailiff who was fair, was one from the court who was very fair indeed. i paid up too! every debtor has some sort of background story and troubles of some sort otherwise they wouldn't be in the mess they are in. that's why i feel it's best not to judge anyone as you can't know what's happened in their lives. ALL of my dealings with the private/self employed variety of bailiff are that they are more serpents than servants if u know what i mean!! best wishes.

That's cool my friend best wishes

Oops, and thankyou to the people here for the great advice. It's really helped me! Sincere best wishes all.