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.
Im all new to this but have been reading with great interest some of the threads on here, and so decided to join the ranks ! I have an unsecured loan with Welcome Finance which was taken out in approx 2004. I think it was only for £1000 initially but since then I have topped this up, each time paying off this last loan. I had been paying approx £230 per month for my loan but in June 2007 I discovered I was pregnant and would be taking 6 months maternity leave. I spoke to Welcome who were actually very helpful ( I know its hard to believe - or maybe Im just being naive ! ). Anyway they agreed to reduce my payments to £115 ( also cancelling the PPI )per mth but as I only had 2 years left to run until the loan would be paid, this time would now be doubled to 4 years - which I understood. Im not after getting the loan declared as unenforceable as I dont think I fit the criteria, but what I do want to find out is if I can get the PPI back ? I was told that if I didnt have it then I wouldnt get the loan, I wasnt aware that I could have arranged my own insurance ( I read this somewhere on here ). I was very naive at the time I had taken out the loan and my credit history wasnt the best, so at the time it seemed like the best option. I have written to Welcome Today asking for the PPI to be refunded to me as under the above explained reasons, I believe myself to have been missold the PPI at the initial term of the loan. How much of a chance have I got with this or am I completely wasting my time ? Also does anyone know with my initial payments of £230 from 2004-2007 how much I am likely to get back if anything ?
Id appreciate any help at all on this
Difficult PPI Claim with Welcome
some of the threads on here, and so decided to join the ranks ! I have an unsecured loan with Welcome Finance which was taken out in approx 2004. I think it was only for £1000 initially but since then I have topped this up, each time paying off this last loan. I had been paying approx £230 per month for my loan but in June 2007 I discovered I was pregnant and would be taking 6 months maternity
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