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.
Still got this ongoing battle with Sainsburys re a defaulted loan, been to court "stayed" (mainly because they take forever to provide any information) took ages to get SAR and am now going through charges with them and have looked at PPI.
I was "sold" joint gold level cover (i would never get the top end as most of it is no use to me) and it was a personal loan for just me so dont figure why i needed joint cover, i ran through a list of things that was wrong with it and recently sent two page letter stating all of the issues surrounding their selling of the PPI on a loan, they have replied that they cannot comment as they do not have a record of the conversation and that i would have been sent the information in advance - not true.
The loan cheque was delivered by courier who had an agreement in one hand and an envelope with a cheque in the other, the guy stood on my doorstep waiting for me to sign so he could hand over the cheque and be on his way, very pressured, i did not feel that i had time to properly read things through and certainly not t&c's all of the boxes were pre-ticked and i was just required to sign the bottom. i am pretty certain that i was not sent anything about the PPI afterwards, in fact i dont think they even sent me a copy of CCA.
They kindly added at the bottom of the letter i received the other day about the case still being stayed in court and suggested if i phoned them we would be able to come to an arrangement, hmm wonder if they would record that one.
Looking for some kind of suitable letter to send them, does anyone have any idea's?
I am looking for some suitable wording to reply to the "we have no record of the conversation when it was sold so cannot comment" argument, and the fact that i felt pressured to sign before having a chance to read anything, boxes pre-checked and i am sure i was never sent a copy of the PPI t&c
Have you had a read of this thread yet? It has some template letters that you could adapt. Have a read through and see if you can find anything. In the meantime i will ask for some help on this.
Sainsburys phone records
and am now going through charges with them and have looked at PPI
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