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.
However it has come to my attention that I may have been incorrectly sold PPI, which has cost me @£10 a month.
Being in the military I have no need for PPI, CapOne are aware of my current career and should understand that I dont really have risk of unemployment for medical reasons etc, without long term notice.
I am posting here to request some advice in reply to this response on my other thread.
Quote:
Originally Posted by DJ1898 Thanks for the fast response, now I am aware where to start. I just looked over my statements that I have to hand for the last 12 months (moved recently). You can claim back upto 6 years
Theres almost £300 in charges, which is almost half my current debt. Additionally I realised I was paying @ £10 in payment protection insurance, surly that should of helped in this situation?
I'll be honest I dont know much about PPI, alittle research showed it covers me if I cant work - I didnt want this, I get paid 365 days a year whether I work or not, and if the military sack me I would hopefully have some notice, is this recoverable. - PPI for serving members of HM forces is pretty pointless, so I would say it was mis-sold, see the PPI forum for more help,
My research shows this is meant to be optional, however I never recall asking for it, in fact when its offered I usually catagorically decline for aforemention reasons.
Best if you start a new thread in the PPI forum, that way you will get the right assistance.
Hi
Sorry, I've just noticed that you haven't had a reply yet. This isn't my area of expertise............. but hopefully somebody will be along soon to advise you further/point you in the right direction.
Best of luck
Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)
I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.
Hey thanks for the reply/ bump. I do hope somebody has dealt with a similar issue before. Please if you have any advice feel free to post. I'm like a sponge.
hi dj1898,
write to crap 1 stating you were missold this policy, also have you got your credit finance agreement and a copy of the PPI policy.
this will be the first step, and believe me crap 1 will deny everything.
Capital Fun PPI and HM Forces
, please see this thread.
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