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.
Hi, We have a loan with Norton Finance and have now written to them 3 times asking for our miss-sold PPI to be returned to us each time they tell us they did not miss-sell the PPI. We now feel we have no option but to take them to court as they were not covered by the Ombudsman at the time we took the loan out.
We were told we could only take out the loan if we took the PPI, even though my wife was already covered and I could not be covered due to my health, The PPI only lasted 5 years even though the loan was longer than that and it was all paid as part of the loan forcing us to borrow more than we wanted. We only received one set of loan papers with the optional PPI box already ticked and were never given any figures without PPI.
We have copies of their computer records and they are laughable and incomplete.
Any one else had dealings with Norton Finance or advice on how to proceed taking them through the small claims court? We have been offered help from companies who will take it on with a no-win no-fee and again anyone had any success this way?
Many thanks
Other will have to advise as far as Norton Finance are concerned, however to answer you other questions. Certainly if you had alternative cover, and you were given no option but to take the PPI, then it was missold.
Have a good read through the stickies at the top of the PPI forum, and you will find loads of useful information.
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.
Thanks for your advice. We have now been told by Norton for the 3rd time!!!! that they have dealt with our complaint and see no grounds to repay our PPI. So we feel we have no option but to go to the small cliams court.
Anyone done this? any help or advice would be great.
Thanks
Hi, Iv been fighting with Norton Finance since November 2006, they have told me time and time again that it was the broker a Mr coultas who actually contacted them regarding my loan, Norton Finance / London mortgage Company provided. Iv spoke to Mr Coultas on many occasions and he has informed me that the box is always ticked up front and that Norton Finance do this so we asume that if we don't sign then we will not get the loan he also has said he would come to Court to support this if required.
My box was ticked for me, and we were quoted the monthly repayment including the PPI, (no other figures were quoted without the PPI) so the PPI was assumptively sold to us.
I also had a pre exsisting medical condition and also an insurance in place for £100.000 already so we did not me any PPI.
The other fact is, I did,nt know of Sterling Insurance, there was no suggestion that the insurance was with them even with all the S A R correspondance from L M C. and Nortn Finance.
I wrote a letter to Sterling on 4th January 2008 asking for 40% of it back
and yesterday received a phone call from a very nice lady offering us the 40% although she said this was not usually pratice as I should have informed Sterling when the Loan was paid of and to cancel the PPI. How could we cancel a PPI insurance if we did,nt know who it was with.
Any way will fight through the Courts for the other 60% plus interest,
but nice to have £2440 to pay some of the bills.
By the way the nice lady from Sterling said she did,nt even have a telehone number for us, she had to ring LMC for it as we were also not in the Directory. I would have thought that is you had a insurance with any Company they would have all your details on file
Hi, Thanks for the info.
Norton have said over and over they did not miss sell the PPI (they did on more that 3 points) and like you the box was ticked for us, and we were quoted the monthly repayment including the PPI, ane we also had no other figures quoted without the PPI so we are now resigned to taking them to court.
We have just sent a letter to them recorded delivery, saying that we feel we have no option but to take them to court. I'll let everyone know what happens next.
Why is that you have not taken them to court since it has gone on for so long?
Anyone else having dealings with Norton Finance?
yes, i too have had dealings with norton finance. i've had their final responce letter stating that they did not mis sell the PPI on a loan. My ppi box was also ticked on my behalf I also had assurance of £100k cover and recieve full sick pay for 6 months so didn't need the cover but they said that nemo would refuse my loan without ppi. They seem to be also relying on telephone conversations. I'm gonna SAR them to see what info they actually have. Also I did not recieve any other figures for the secured loan only those with ppi ticked as they said that I'd agreed for them to do this over the phone. I didn't have any choice! I had no idea it was gonna cost so much or that it was only for the first 5 years on a 25 year loan not sure what my next step will be? is it worth complaining to the financial Ombudsman??
Your post is from Jan, hows your claim going?
Our claim is still on going with Norton.
We have not be able to take them to court just yet due to lack of funds on our part.
The funny thing is, Norton Finance keep sending us mail shots stating “some time ago we had the pleasure of arranging a loan for you“! So I use their pre paid envelope to send them a letter reminding them that I will not let this go and send copies of all the letters we have sent in the one envelope, I always mark it for the attention of the Managing Director, so far they have just ignored these letters.
They treated us exactly the same as you and have effectively called us liars.
When we took out the loan with them they were not covered by the Ombudsman and did not record any phone calls (very convenient) but the transcripts of their calls that they sent us have huge bits missing.
As soon as we can afford it we will be taking them to court.
Norton Finace PPI claim
to be returned to us each time they tell us they did not miss-sell the PPI. We now feel we have no option but to take them to court as they were not covered by the Ombudsman
Reply With Quote
not sure what my next step will be? is it worth complaining to the financial 
So I use their pre paid envelope to send them a letter reminding them that I will not let this go and send copies of all the letters we have sent in the one envelope, I always mark it for the attention of the Managing Director, so far they have just ignored these letters.
