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.
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a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I recently sent a letter to Black Horse regarding some mis-sold PPI on a loan in 2004 which was paid off this year. I wasn't given an option to be able to opt out of the PPI.
Black Horse have replied saying that I signed the form and that I could have cancelled the PPI within 30 days etc. and that they don't believe in my claim.
A&L - £435.14 Paid in Full 21/06 - COMPLETED Barclays - £2447.87 Paid in Full 13/11 - COMPLETED CitiCards - Offer made 4/10 Clydesdale - £400.00 Paid in Full 17/11 - COMPLETED MBNA- £800.00 Prelim Sent 28/11 Black Horse - £150.00 Paid in Full 26/11 - COMPLETED
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Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
On the basis that I didn't have a choice. My original documentation proves this as there is only one signature box to sign for both the loan and PPI.
With the new regulation, I've been told that new paperwork has 2 boxes, one for a signature for the loan and one for the signature to agree to PPI.
The letter also says that I attended a local office to discuss my application, however, I don't remember going into an office but I do remember that it was sold over the phone. So surely this means that they don't have a correct record of my application.
RedFox
A&L - £435.14 Paid in Full 21/06 - COMPLETED Barclays - £2447.87 Paid in Full 13/11 - COMPLETED CitiCards - Offer made 4/10 Clydesdale - £400.00 Paid in Full 17/11 - COMPLETED MBNA- £800.00 Prelim Sent 28/11 Black Horse - £150.00 Paid in Full 26/11 - COMPLETED
Where the policy would not have paid out, perhaps due to a pre-existing medical condition, or because the person was self-employed etc, it is fairly straight-forward - also when you can prove you had other cover.
You may have a tough job proving misrepresentation without misselling, although it does look as though you have a good starting point with the paperwork.
May be worth a DSAR to them for full disclosure.
Alan, Derby, UK.
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Or you may wish to buy one of these great resources:
Click on the above link to place your order - payment by Paypal.
_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
They have already sent me the credit agreement that I signed though I still had my original copy. If I sent them a DSAR do you know what other information they would have to provide me with?
RedFox
A&L - £435.14 Paid in Full 21/06 - COMPLETED Barclays - £2447.87 Paid in Full 13/11 - COMPLETED CitiCards - Offer made 4/10 Clydesdale - £400.00 Paid in Full 17/11 - COMPLETED MBNA- £800.00 Prelim Sent 28/11 Black Horse - £150.00 Paid in Full 26/11 - COMPLETED
Whilst it is not my responsibility to provide an exhaustive list of documents that you should supply (and certainly this is not such a list), I would remind you that your submission should include copies of all documents, notes, internal memos, computer screen notes, contracts, application forms, letters (including correspondence with third parties), and any other documents which you hold that contain personal data under the terms of the Data Protection Act.
Alan, Derby, UK.
PLEASE HELP US TO KEEP THIS SITE RUNNING
EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
Or you may wish to buy one of these great resources:
Click on the above link to place your order - payment by Paypal.
_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
Black Horse - PPI - Advice Needed Please
on a loan in 2004 which was paid off this year. I wasn't given an option to be able to opt out of the PPI.
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