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.
The good lady took out an Evans card with GE Money in 2003,and we queried the PPI as Helen was not employed at the time(and still isn't)
They just sent back a letter rejecting the claim to get the PPI refunded,along with a copy of the original agreement with the box ticked for "you or your partner work at least 16 hours a week,self employed or retired etc etc"
that sounds like I am covered as well!I am medically retired since May 2004,so if the term is not unfair,can I then claim on the policy???
You should... except you probably have left it too late, as I bet you there will be something saying you have to notify them within x time of the incident giving rise to a claim.
You could however try to claim from NOW, arguing that since you are not looking to backdating the claim, when you became medically retired is irrelevant. It's a bit of a loophole, to be truthful, but why not?
Apologies to people who I was in the process of helping, I may be gone some time.
I actually had a credit card with GM card with a balance of £3500 and I remembered I had PPI on it.....wrote off and as you say they tried the "you're too late" line.My wife wrote to them,telling them why I was retired and that I was on DLA etc,and they coughed up the lot-cleared the whole thing without a whimper!
TBH, I feel that the "must notify within x time" in itself is borderline unfair anyway. I don't see why this kind of thing shouldn't be subject to SOLA the same as debts etc are.
Apologies to people who I was in the process of helping, I may be gone some time.
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
is this another unfair PPI term?
as Helen was not employed at the time(and still isn't)
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