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.
Im trying to reclaim my parents mis-sold PPI which was sold through The Home Funding Corporation back in 1996.
They remortgaged their house through this company and the total loan including PPI was for over £20,000. At the time, they were not asked about pre-existing medical conditions and were told that without PPI they could not get the loan.
Kidney Disease runs in the family so my father knew that at some time in the future his kidneys would fail and that the PPI would prove very helpful. ( He was told by this company). In 1998, they failed and he was forced to leave work and they got in to financial troubles. Ofcourse they went to claim for PPI and were told they could not due to the medical condition. This meant they were forced to sell their house and they have been in an appaling financial situation ever since.
Now ive been looking through all their paperwork as i know it is harder to reclaim for PPI sold before six years. I have managed to find a document which details how much they had to pay at settlement, (When they sold their house in order to pay it off). This includes the account number and the total amount of the loan. It does not detail how much was the loan and how much was the PPI as individual figures but Im not sure if this matters? My parents say that the PPI was included as a lump sum in the total loan and they paid interest on it every month.
Do they have a chance of being able to claim this back as we do have proof that this account existed or do we need to have proof of the actual PPI figure before we can? It would be great if we could as these guys really ruined my parents lives so would be good to get them back!
PPI Mis-Sold through Funding Corporation
which was sold through The Home Funding Corporation back in 1996.
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