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 had a loan with a & l many moons ago (2003) which i then topped up in (2004) silly i know but we all make mistakes.
After having many successes in the bank charges department (Barclays, ge capital, Halifax) i've been persuded to take on something a bit more mind boggling and claim some more woo hoo.
so i've sent off my sars and asked for my credit agreements for both loans posted 06/11 as there is PPI on there.
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
Good Luck with this as i believe the A&L have already been fined by the FSA for mis-selling so your claim should go well just remember to remind them that you are aware that they have been fined by the FSA.
i had a loan with a & l many moons ago (2003) which i then topped up in (2004) silly i know but we all make mistakes.
After having many successes in the bank charges department (Barclays, ge capital, Halifax) i've been persuded to take on something a bit more mind boggling and claim some more woo hoo.
so i've sent off my sars and asked for my credit agreements for both loans posted 06/11 as there is PPI on there.
will let you know how i get on
Hello Ronvin
I see you say that you have been persuaded to take on something at bit more mind boggling.
Yes the process can be a bit mind boggling, but well worth the effort of reclaiming back what is rightfully yours
Good luck and when you receive your SAR and ??? a credit agreement, please post up the info so we can assist you
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Well letters posted on 6/11 for cca and sars, cheques cashed on 13th (cca)and 18th(sars) still no news on either. Letters were sent recorded delivery, so the clock is ticking.
MY WINS PENALTY CHARGES
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
Well letters posted on 6/11 for cca and sars, cheques cashed on 13th (cca)and 18th(sars) still no news on either. Letters were sent recorded delivery, so the clock is ticking.
Hello Ronvin,
Tick tock, tick tock
If your posted your letters of the 6/11, for the ca, you allow them 12 working days and two for postage. So they will be in breach on the 26th November. You can check on the royal mail website to tract your recorded delivery letter. If you type in the number of the track a letter link, it will tell you when they delivered and obtain proof of delivery
For your SAR they have 40days plus two days postage, so they have until the 18th December to comply.
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Well they've sent me both credit agreements for my loans, but only the minimum info on my sars to i've sent them another letter today stating whats missing. They've sent me a Breakdown of payments, inc PPI and a copy of my CA with no option of ppi its just on there. There is no info on which insurance company its with etc, just monthly instalment amounts.
Will await other info before i make my next move!
They've got 23 days left on the sars
MY WINS PENALTY CHARGES
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
Set the alarm clock and mark the calendar for the exact day they are due to supply the data
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Tut tut, not all info received by the date given, so a non compliance letter was sent twice but the last one wasn't delivered by the bluming royal mail so another is to be sent monday.
MY WINS PENALTY CHARGES
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
Well they received this one and suprise suprise still nothing through the post. I think they may be ignoring me (i wonder why).
I'm sick of waiting for them now, they've had plenty of chances, Request for repayment letter to be sent.
MY WINS PENALTY CHARGES
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
I sent my request for repayment plus interest on the 9th of march, after waiting impatiently for the post every day, today was the day, i received my letter saying they will look into my complaint.
Along with the post today was another two letters from the alliance and leicester. It was an offer to settle my PPI claims. Yipee
One of them is spot on, except the interest, i was claiming 8.9% they've offered the standard 8%. The other is about £100 short of what i was asking and the interest was 12.9% they've again offered 8%.
Do i (a) accept this offer or (b) go for the other £100 and extra interest ?
Help would be appreciated
MY WINS PENALTY CHARGES
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
I sent my request for repayment plus interest on the 9th of march, after waiting impatiently for the post every day, today was the day, i received my letter saying they will look into my complaint.
Along with the post today was another two letters from the alliance and leicester. It was an offer to settle my PPI claims. Yipee
One of them is spot on, except the interest, i was claiming 8.9% they've offered the standard 8%. The other is about £100 short of what i was asking and the interest was 12.9% they've again offered 8%.
Do i (a) accept this offer or (b) go for the other £100 and extra interest ?
I would be out of line to offer you advice on the above. It is your claim, therfore your money and you must make a decision on whether to accept or decline and take matters further. Sadly 8% Statutory on top of the premiums and the interest on premiums paid out is all you can probably expect. I turned down an offer without the 8% Stat went to the fos and got the 8% added which put on another £1.2k so I was happy then and accepted. Now that PPI is being banned at the point of sale for 14 days and single premiums are being banned it could make one reconsider the settlement and ask for compensation on top at the end of the day It's your call now:grin:
aa
Help would be appreciated
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Thanks aa, thats food for thought, think i'll sleep on it see how i feel in the morning
MY WINS PENALTY CHARGES
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
Well ark at you AA site team About time there was someone looking out for the PPI forum
I salute you well done and well deserved
Ronvin you sleep on it8-)
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Its been over 2 weeks since i sent my signed copy of the offer to refund my payment protection from the alliance and leicester and suprise suprise its not arrived yet.
They've got todays post before i send them a letter asking where it is
I've had the same problem with Ikano and charges on my store card, offered refund, returned letter, no money !!!!!!!!
MY WINS PENALTY CHARGES
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
Well ark at you AA site team:grin: About time there was someone looking out for the PPI forum:grin:
I salute you well done and well deserved:grin:
Many Thanks for the pat on the back remember it all started by you helping me. So a BIG thank you to you:grin:
aa
Ronvin you sleep on it
Hope your money turns up soon Ronvin
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
a big thanks to aa and hhnf for their advice and support
Can someone please move this thread to the successes !!!
MY WINS PENALTY CHARGES
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
a big thanks to aa and hhnf for their advice and support
Can someone please move this thread to the successes !!!
**Well Done**
I am unable to move your thread into the stickies PPI successes. You could post into the successes and cut and paste your thread title and that should do the trick.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
alliance and leicester ppi x2
, ge capital, Halifax
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Originally Posted by ronvin
