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've had a loan with Lloyds tsb since 0ctober 2006 of which I am currently still paying. Now when I went to one of their branches, they offered me consolidate a Barclays careers development loan with my Graduate loan which came up to £22,457.30. Total with interest £26,485.20 at the rate of 6.9% now they added LLP insurance (Loan for Loan Protection insurance)of £5,148,30 which I did not want, and that has it's own interest at the rate of 6.9% over a period of 60 months. At the time I thought I would paying Total of £26,485.20 but I now realise the Total for the Loan including LLP over the period of 60 months is £32,556.60 and the monthy payments are £542.61 everymonth which is a struggle. So far I have manage to pay 25 payments.
Question is there a way of challenging this? or would it be easier to go with no win no fee lawyers who charge 25% when all is done? Please Help
I believe PPI on loans is not compulsary so ask them to remove it, you could even try to ask for your previous PPI payments to be returned if you did not sign an PPI agreement.
Lloyds TSB Loan agreement
tsb since 0ctober 2006 of which I am currently still paying. Now when I went to one of their branches, they offered me consolidate a Barclays careers development loan with my Graduate loan which came up to £22,457.30. Total with interest
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