Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I'm new to here. I've been reading through some of the threads and I'm really glad I have. Some of you guys on here are sooooo knowledgable!
I heard about the PPI scandal and decided to look into a loan i had with HFC Bank few years ago. I took out PPI as I was led to believe I wouldn't get the loan if I didn't and also, I felt quite pressured by the salseperson. I, as many of us, signed up for something I had no clue about!
I'm proper incensed now so I recently sent a template letter (from MSE) stating the above and HFC replied saying they had explained everything, they weren't at fault, they aren't going to pay me back basically! They enclosed two photocopied pieces of paper showing I had ticked a PPI box and signed them (obviously it was my contract!!)
What should I do next guys? I still think I was mis-sold the PPI. It wasn't explained that it was added to my loan PLUS interest etc.
I want justice ! Can anyone advise me on what I should write to them next or should I go straight to the Financial Ombusman?
Thanks for the email. Below is the template of a letter that I was considering sending (taken from MSE website) in response to the letter HFC sent me basically telling me they aren't going to do anything. In their letter to me, HFC say that I can go via the Finance & Leasing Association so they can act as an independant adjudicator in my dispute. I have 8 weeks to respond.
After reading some of the other threads on this topic, would it be advisable to request an SAR at this stage?
Thanks again and I hope you can help!
VWdriver35
Template of letter:
Dear ,
Re: Account numbers [insert account number]
I am writing in response to your letter dated [insert date of letter from your lender], with regards the insurance sold with my loan.Yourreference is [insert reference number of letter from your lender].
I do not feel your letter has offered a satisfactory justification that my policy was sold fairly, reasonably and within my best interests so I request that you look into my complaint again. If I do not receive a more favorable response within 14 days I shall be taking my complaint to the Financial Ombudsman.
Attempting to reclaim PPI
scandal and decided to look into a loan i had with HFC Bank few years ago. I took out PPI as I was led to believe I wouldn't get the loan if I didn't and also, I felt quite pressured by the salseperson. I, as many of us, signed up for something I had no clue about!
so I recently sent a template letter (from MSE) stating the above and HFC replied saying they had explained everything, they weren't at fault, they aren't going to pay me back basically! They enclosed two photocopied pieces of paper showing I had ticked a PPI box and signed them (obviously it was my contract!!)
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