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.
I'm hoping you can give me some advice as I've never done anything like this before.
A couple of years ago I got heavily into arrears on a ltsb loan - made a payment arrrangement with the bank to cover the interest only and that arrangement has been running for 2 years until now.
Six months in the bank sent a refinancing letter, to my horror my £7000 loan had turned into a £8500 loan - when I rang LTSB they told me that the other £1500 was PPI (that I didn't want or need) they sent me the form and I've signed the loan agreement, but there is a box ticked for PPI - I would not have agreed to this as I'm in continuous employment (and have been for years!!). It was never explained and literally the bank guy hauled me in in my lunch hour and said sign there for 'a really good rate'
No-one in the Collection Centre wants to help. My phonebank say as it's in Collections they can't help either. What has brought this to a head is that I have had an offer from some solicitors to sue the bank on a no win no fee - but they'll want 25% if succesful.
My query is - I've got a branch meeting booked for Friday 9th May with an advisor, what are my options is she turns around and refuses to acknowledge that they mis-sold the PPI policy - it's useless and I'll never need it.
I would first of all ask in writing for it to be cancelled , then ask for a data Subject access request... then challenge them for mis-selling the PPI....
PB - problems with LTSB (PPI Mis-sold)
loan - made a payment arrrangement with the bank to cover the interest
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