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.

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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)


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  1. 24th January 2008 17:52 #1
    Gertie100 Gertie100 is offline
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    Default Royal Bank of Scotland PPI

    Hello chaps...not much information as posting for my sister, but general advise please.

    My bro-in-law is self employed. He took out a loan with RBSicon and was sold PPIicon. My sis is now looking into claiming this back because she believes that they wouldn't have paid up had he claimed because of his employment status...so...

    1. Is the assumption on the self employed thing correct? Or does it depend on the policy?
    2. She has contacted RBS and they have fobbed her off for the last 8 weeks. She has asked my advice and would I be right in thinking that once the last deadline is up (her deadline - end of this month) and they don't do anything would she send an lbaicon?
    3. Does the test case on bank charges have any relevance to PPI? Reason I am asking is that I am trying to work out if they are just stalling to make her give up or for a specific reason.

    I don't have any other information currently - no figures, timescales of loan etc and am going home in 10 mins.
    However I would appreciate a response and I should post back in the morning knowing the information needed.

    Many thanks!!!!!

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  2. 25th January 2008 00:03 #2
    alanfromderby alanfromderby is offline
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    Default Re: Royal Bank of Scotland PPI

    It is very likely that it was unsuitable - but you would need to check the policy.

    The bank charge test case has no relevance whatsoever - the legal issues regarding misselling of PPIicon is established misrepresentation law. Have a good read through the stickies at the top of the PPI forum for more info.

    Alan, Derby, UK.



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  3. 25th January 2008 02:50 #3
    crugga crugga is offline
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    Default Re: Royal Bank of Scotland PPI

    Seems like most loans(well 2 of mine + mums) say they cover self employed however the cover is pretty rubbish and is not near as good as for employed on the unemployment. To claim on mine for unemployment you would have to involuntary cease trading due to insolvency and declare this to the inland revenue, and it will not cover temporary cease in trading so if it was winter snowing and you were a builder and could not go and build for 2 months you would have to shut down your business then prove you were hunting for a job. Where an employed person would just need a letter from employer saying they no longer worked for them. Chances are theyd find a reason not to pay out anyway.

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  4. 25th January 2008 10:02 #4
    Gertie100 Gertie100 is offline
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    Default Re: Royal Bank of Scotland PPI

    Thank you both - time to get reading over the weekend!

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