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 just ticked a box on the application form for their credit card back in 1999.
No information provided about PPI at all, just "do you want it?"
I will be claiming it was miss sold, due to the fact that I had a pre-existing medical condition.
Chronic asthma.
Hell noonmill,
Nice to see you over in this part of the site, I do try to keep up with the posts on the Consumer Credit Agreement thread. Does get a bit heated sometimes, but full of relevant info though.
Keep us posted re your progress.
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
a jacuzzi with Bananarama. I have not lived in Bolton since 1986
Posts
6,823
Re: noomil v Morgan Stanley PPI
Finally got my arris in gear.
After three letters from October till December from Goldfish telling me they would look into my "complaint", I finally sent a fos complaint form off last Friday.
Got an acknowledgement from them today- very busy - but they will look into it in due course which is fine by me.
Then yesterday I got a bogoff letter from Goldfish.
Ho hum, we'll see. Not up to them now, is it?
No te he
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
a jacuzzi with Bananarama. I have not lived in Bolton since 1986
Posts
6,823
Re: noomil v Morgan Stanley PPI
Well, its now Novemebr and no sign of the fos being in the slightlest bit concerned, so I going take matters into my own hands and start a small claim.
Sent a CCA request to Barclaycard (who now own Goldfish) and got a copy of Barclaycard's 1999 T&Cs in response. Very nice but something with a MS letterhead would be more relevant, considering they were the company who were so keen to give me a credit card. No application form.
I now believe that any evidence that I even applied for PPI has been lost.
They have 14 days before I file a small claim for all PPI premiums and interest levied thereon. It aint gonna be cheap.
Just caught up with your thread and a massive well done to you
Could not have happened to a nicer company
Your POC was brilliant and I loved the failure of consideration
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
noomil v Morgan Stanley PPI
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Originally Posted by noomill060
