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.
SenT Lloyds 1st letter asking for PPI refund. policy mis-sold due to the fact I am self employed. Received letter back stating "Definition of employed also includes people who are self employed" am I missing something obvious or am I just confused?
SenT Lloyds 1st letter asking for PPI refund. policy mis-sold due to the fact I am self employed. Received letter back stating "Definition of employed also includes people who are self employed" am I missing something obvious or am I just confused?
The fee for this is a Statutory £10.00 by cheque or postal order.
You are advised to ask for every little bit of data that may be applicable to you as a data subject. That is data in electronic format, paper format, microfische format, CD format or any other format you wish to mention
They then have 40 days to comply with your request under the Data Protection Act 1998. If they fail to comply you can submit a complaint to the Information Commissioners Office and proceed to Court action for non compliance. The choice is yours as to which way you proceed
Keep at them
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.
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Lloyds PPI self employed
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