Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 1st October 2008 23:02 #1
    keejas keejas is offline
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    Default halifax credit card!!!

    Hi,im new to all of this...Basically i was asked in Halifaxicon to apply for a credit card,told them i didnt work,only had child benefit going into my acc,the woman advised me to take out PPI or i prob wont be accepted so i did.I got in trouble with it a couple of years later and had been paying ppi all the time,i was told because i dont work then the insurance money will not be paid so i asked them if they can stop the int,was told no,i asked if i could pay a small amount each and was told no again as it would be coming out of my child benefit.I phoned them many times and got the same answers.Didnt owe a huge amount at the time but by the time it went to debt collectorsicon it was nearly £3000 and im still paying it now.Is there anyone that could give me some advise if theres anything i can do

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  2. 2nd October 2008 00:56 #2
    dx100uk dx100uk is offline
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    Default Re: halifax credit card!!!

    sounds like you are on to a winner here.
    i would be inclined to SARicon them, and specifically ask for a copy of your agreement and the relevent PPIicon info.

    you will hopefully find a clause which reads that you are actually not intitled to any claims because you do not work [sic].
    even so, you should be able to get them on the 'must have ppi' quote.

    follow the faq/step by step instructions, and hit them for all the default charges & the PPI payments + 8% int.

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
    rather than hittting to be my friend - hit the star
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  3. 2nd October 2008 09:49 #3
    keejas keejas is offline
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    Default Re: halifax credit card!!!

    thanks for your help.if i done this would it affect my account with Halifaxicon now as i still have one with them?

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  4. 2nd October 2008 12:14 #4
    Paintball Paintball is offline
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    Default Re: halifax credit card!!!

    If you mean some kind of retaliatory action on the part of the Bank, then I should hope not! IF you find that they do, then write to them again informing them that retaliatory action is something that the FSA takes action against.

    'Fortune favours the brave.'








    Any advice given is purely on the basis of my own views and opinions and offered in good faith.
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE