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 Took Out A Loan With Yorkshire Bank For £20,000 I Was Employed On A Contract Basis And Had A Small Self Employed Job.i Was Made To Take Out Payment Protection To Cover Loan,i Had My Contract Terminated After Running Its Course But Could Not Claim Because I Had A Self Employed Job As Well How Do I Stand Regarding This Agreement.
Yours
Kevin Brook
I Took Out A Loan With Yorkshire Bank For £20,000 I Was Employed On A Contract Basis And Had A Small Self Employed Job.i Was Made To Take Out Payment Protection To Cover Loan,i Had My Contract Terminated After Running Its Course But Could Not Claim Because I Had A Self Employed Job As Well How Do I Stand Regarding This Agreement.
If the Yorkshire bank were aware you were self employed at the point of sale and did not advise you that self employment would prevent you from making a successful claim then you have a case to claim mis-selling. Additionally if they stated that PPI was a pre-condition to the loan agreement then this strengthens your mis-selling arguement.
If you do not have all the relevant paperwork you will need to find it or ask for it by sending a Subject access request to the Bank with a Statutory fee of £10.00. The bank then have 40 days to supply you with all the information you request Consumer Credit Agreement on running account, statements, terms and conditions that applied to the agreement. You can in fact ask for all sorts of data recordings or transcripts of telephone calls, data in paper formal, electronic format, CD, Microfische and anything else you can think they may have with regard to your Loan.
Have a look in the stickies at the top of the forum to get the general idea on how reclaiming works there are PPI letter templates etc.
Hope this gets you moving to a successful reclaim.;-)
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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.
Payment Protection
For £20,000 I Was Employed On A Contract Basis And Had A Small Self Employed Job.i Was Made To Take Out Payment Protection To Cover Loan,i Had My Contract Terminated After Running Its Course But Could Not Claim Because I Had A Self Employed Job As Well How Do I Stand Regarding This Agreement.
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