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.
3 years ago my wife and I took out a loan with Welcome (through necessity not choice)
We were hard sold PPI and agreed to it being added to the loan as we really were in s*** street without the money.
I recently got made redundant and tried to claim on the PPI to be told that it only covers the first named on the agreement, in this case my wife, in spite of the fact it is a joint loan (worse still a secured loan) and both incomes were required to determine the amount of the loan in the first place.
I'm just wondering if I have been stitched. I don't recall ever having a policy document of any sort for the PPI and I certainly wasn't told it only covered one of us.
Hi
I would say this was clearly a case of a miss-sold PPI, you might need sight of the policy, but they did not state the terms and conditions, they must have known that you both needed cover.
The Delightful Welcome Finance
and agreed to it being added to the loan as we really were in s*** street without the money.
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