Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 29th November 2007 00:07 #1
    FU-UU FU-UU is offline
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    Default Additions (catalogue) + Account Cover Plus

    Hi fellow caggers

    Had a phone callicon from my sister yesterday asking if she could borrow £30 off me 'til her payday. I of course gave her the money but when i asked what it was for she said it was due to a £69 Additions catalogue bill.

    I went round with the money and asked her if i could see the bill and what i saw was shocking! £19.45 for Account Cover Plus!!

    I immediately asked her if she took out a PPIicon policy with Additions and she told me no because when she joined Additions it was owned by Argos and she paid at the counter when the goods arrived.

    She is adamant that no contract was signed by her and at no time was she advised about the benefits of PPI or Account Cover Plus. As far as she remembers GUS took over the operation and sent her a catalogue. I now know that Littlewoods are the owners.

    PPI would never have applied to her has she's been a single mother on benefits for the past 18 years

    Opinions welcome please on how to claim back everything she's paid into this insurance.

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  2. 29th November 2007 00:21 #2
    ChloeJane
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    Default Re: Additions (catalogue) + Account Cover Plus

    You would first need to see the contract terms she has agreed to. So I would request a copy of the policy for PPIicon and a copy of the contract itself.

    From there you will be able to establish when it was taken, date and how the contract was entered into. Some small print sometimes appears on online applications, but from what you have said she may have actually signed for it.

    A £1 is what it costs to get a copy of the agreement. You can then see if the PPI was seperate or part of the main contract and how it was entered into.

    That would be my first step.

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  3. 29th November 2007 00:47 #3
    FU-UU FU-UU is offline
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    Default Re: Additions (catalogue) + Account Cover Plus

    Quote Originally Posted by ChloeJane
    You would first need to see the contract terms she has agreed to. So I would request a copy of the policy for PPIicon and a copy of the contract itself.
    She didn't sign anything ChloeJane. A catalogue was dropped off on her doorstep. I must explain her situation clearer. Additions was owned by Argos all you had to do was order the clothes in-store and then pay cash at the counter when the goods were received. Argos decided to pass customer details on to GUS when they took over and now Littlewoods own Additions.

    Quote Originally Posted by ChloeJane
    From there you will be able to establish when it was taken, date and how the contract was entered into. Some small print sometimes appears on online applications, but from what you have said she may have actually signed for it.
    She's adamant she has not signed a contract and no online agreement was signed (she 's never owned a computer).

    Quote Originally Posted by ChloeJane
    A £1 is what it costs to get a copy of the agreement. You can then see if the PPI was seperate or part of the main contract and how it was entered into.

    That would be my first step.
    I shall post the letter with a pound po enclosed but i'm sure it will be returned as they have no contract. We are not trying to pay for goods received just the insurance taken out without consent and therefore miss sold.

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  4. 30th March 2008 19:51 #4
    helenalana helenalana is offline
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    Default Re: Additions (catalogue) + Account Cover Plus

    I have just joined Consumer Programs and from what I have read so far, I am so impressed by there help to everyone. What I would like to know is, is there a form that can help you with the wording to catalogue companies as Im not very good with that sort of thing and I cant seem to find how to get into the welcome page either, I seem to be going round in circles. If Im in the wrong place then please forgive me

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  5. 31st March 2008 07:08 #5
    hellhasnofury hellhasnofury is offline
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    Default Re: Additions (catalogue) + Account Cover Plus

    Quote Originally Posted by helenalana View Post
    I have just joined Consumer Programs and from what I have read so far, I am so impressed by there help to everyone. What I would like to know is, is there a form that can help you with the wording to catalogue companies as Im not very good with that sort of thing and I cant seem to find how to get into the welcome page either, I seem to be going round in circles. If Im in the wrong place then please forgive me
    Hello Helenalana,

    If you wish to enter into the payment protection forum, regarding a matter of ppl, you need to start a new threadicon and tell us your story, advice and guidence will be given as needed.

    Click on to the PPIicon forum and if you click on this tab



    You can then start your new thread, good luck and will look out for you

    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
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  6. 31st March 2008 07:14 #6
    rory32 rory32 is offline
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    Default Re: Additions (catalogue) + Account Cover Plus

    Hi helenalana, also have a read here to help you find your way about the site.

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE