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 have already sent request for repayment of PPI from Bank of Scotland due to the fact i was made to take out Ppi as a condition of the loan. They finally after many weeks sent me a letter to say they have investigated my complaint and are refusing to repay.
I was wondering if somebody could look over my figures, as i believe they have ripped me off when i was given a top up loan.
The original loan was for £4000, with Ppi of £1123.28. Plus interest of £1325.04. Total payable £6448.32.
This was to be paid at £179.12 per month for 36 months. This loan was taken out in march 2001.
I paid for 19 months leaving £3045.04 to pay.
Was then convinced to take new loan of £15,000 which i recieved £12,206.74 in my account. So for paying a loan of 17 months early, i had only saved £251.78 on interest and insurance off total debt payable.
I was then left with new loan to start all over again. They have told me the reason is due to the rule of 78. But this seems a complete rip off.
Blue dan v bank of scotland
from Bank of Scotland
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