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.
After nearly 6 months Barclays have finally got round to providing a response to my complaint. The was taken out in 2005 and I was sold PPI in branch. They have told me that it is their policy to advise customers of the benefits of ppi and they have set procedures advisors must follow. They have sent me a copy of a Statement of Demands and Needs which they say was completed at the time. I can't remember to be honest. This shows that I told them I was in full time employment, I didn't have insurance for repayment of borrowing in the event of unemployment, I didn't know whether I was covered in the event of sickness, I didn't have cover in the event of accident and I have not consulted a doctor, received treatment in the two years.
However, I did tell them that I had an existing medical condition which was stable providing I took my regular medication. I was told this was fine. Reading the t & c which they sent me (can't remember if I received them at the time) it states it excludes conditions for which you had symptoms, consulted a doctor or received treatment in the 2 years before policy started or in the case of chronic, back or psychological conditions, 5 years.
They were also aware that this was a consolidation loan to pay off existing debts.
If they have now given you their final response and you have exhausted their complaints procedure you can make a complaint to the Financial Ombudsman. The address is:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Barclays say not mis-sold
have finally got round to providing a response to my complaint. The was taken out in 2005 and I was sold PPI
Reply With Quote
The address is:
