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.
in 2005 i took a loan with Egg and was specifically told that i could have the loan IF i took the PPI.
i wrote to them a few weeks ago asking for transcripts of the call so i could prove it, and recieved a reply this morning saying that they don't profess to record all calls, have no recording of the call and that there is no way that their agents would do such a thing etc etc.
my problem is what do i do now. just complain to the financial Ombudsman or what?
First you must exhaust the Bank's complaint procedures. Make an official complaint to Egg and they should reply within a certain time or advise you if they need further time and the reason why. If after 8 weeks, you havent had a satisfactory response you should make your complaint to the Financial Ombudsman. It is, I believe not allowed to make PPI a condition of a loan. Were you advised that you could get the PPI cheaper elsewhere? or that you could only take their PPI.
1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -HERE
2: Take back control of your finances -Debt Diaries
3: Feel Bullied by Creditors or Debt Collectors?Read Here
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
egg loan ppi
and was specifically told that i could have the loan IF i took the PPI
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