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 have spent quite a while reading through this section and cannot find out how to start a complaint to the fos (or even if this is the right direction to go in)
I had a loan with Sainsburys bank which was defaulted, it has turned into a long drawn out process, firstly they took about 10 months to supply a CCA and have generally been very unhelpful.
I am certain that they missold the PPI and have sent them a letter giving all of the reasons for it, their response was to say that they could not access the full records at this time? they are their own records for goodness sake why cant they access them? they also state that they sent me a copy of the agreement and t&c, not true, at the time they were having couriers deliver the loan cheque and they stood at my door with a cheque in one hand and a piece of paper in the other saying "sign here please" and did not leave me a copy.
I have replied to this giving further info and my answer to their "sent copy etc" and they have continued to ignore me, now the judge has sent a letter saying there is going to be an allocation hearing by phone? for info this has previously been stayed by the court since the beginning of the year, and i want to furnish the courts with all of the info and state that this is now subject to a formal complaint or other action but am not sure where to go or what to do.
A S.A.R. Letter would have been far more beneficial to you, in that you could have requested all your statements and paperwork in connection with the PPI.
In your defence, I would say that you have requested certain paperwork as you feel there is a mis-sold PPI included within the debt, you have only just been made aware of this and Sainsbury is with holding this information from you.
To make a complaint to the financial ombudsman you just have to visit their website and download the complaint form. Normally you would have to have a Final Response letter from the company you are complaining about. This would have shown that you had followed Sainsbury's Complaints procedures. I reckon that taking you to court is about as "Final" as it gets. So in your complaint to the fos say that you have tried to sort it out with the company and they are not being very helpful.
I am sure someone with more experience in legal matters will be along soon to assist you.
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
Complaint to Financial Ombudsman
(or even if this is the right direction to go in)
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