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 CCA's Bank of Scotland Credit Card and got an application form back, and when I looked it shows I signed up for PPI. Now they haven't sent a fully executed CCA back as of yet, so can I claim back what was paid in PPI, and can anyone suggest a letter that I could send to do this?
My fight:
NDR - CCA'd 12+2 passed
Bank of Scotland - CCA'd 12+2 passed
CFS - Win by Technical Knock-out!
HFC Bank - CCA'd 12+2 passed
Chantry Collections - CCA sent
Time flies like an arrow
Fruit flies like a banana
<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:
I would definately try to reclaim back the PPI on this, especially as you were unaware you had this.
Go for it.
This is a similar situation as mine and my O/H's, and we used the normal ppi mis selling template. (just different bank).
There should be one on site here, if you cannot find it, post up and let us know, someone will get back to you.
I wish you luck.
If you have no success, do not give up because most first responses are that of them denying mis selling as a standard response.
I know you can write to them again until they state its their final response, and then they should add a financial Ombudsman service leaflet.
Get the first letter done with first, then take it from there.
Keep us posted here, and someone will guide you to the next step.
Oh and if you've not got all the paperwork for this it may be worth requesting a SAR (Subject access request), there is a template letter on here for that too and it will cost £10, send by recorded post so you can be sure they receive this, as they will have 40 days deadline to provide the SAR from on the day they receive the request.
I have sent an SAR off in July. The PPI should be included on that right? Thanks for the help.
Beating the DCA's day by day
My fight:
NDR - CCA'd 12+2 passed
Bank of Scotland - CCA'd 12+2 passed
CFS - Win by Technical Knock-out!
HFC Bank - CCA'd 12+2 passed
Chantry Collections - CCA sent
Time flies like an arrow
Fruit flies like a banana
<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:
If all they can provide is an application form, with no cost of PPI on it then they are stuffed in my opinion write back to them and state that you require a credit agreement with the prescibed terms on it which includes the true cost of PPI and also that on the application form it does not give you option to "opt out" of PPI. as it should do.
What they have sent you is about as good a peice of used toilet paper.
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
No the first 3 are just PPI send one letter for all 3, the late payment charges are seperate and should be sent seperately.
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
Reclaiming PPI when no CCA has been provided.
Credit Card and got an application form back, and when I looked it shows I signed up for PPI
Reply With Quote
Originally Posted by berrylover
on the deadline.......
.