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'm considering taking action over a mortgage I had and have the following questions:
The mortgage was arranged through Lloyds TSB, but was provided by Chelt and Glocs - Should I be writing to Lloyds or Chelt and Gloucs for Subject Access Requests and for my first letter re mis sold PPI?
I can't work it out because I saw a mortgage advisor at LLoyds TSB to arrange the mortgage, fill in forms, sign things etc but my mortgage statements are on C&G headed paper, but all my PPI type insurance paperwork (schedules etc) are on Lloyds headed paper but the PPI was with C&G. So I guess both companies would hold data on me - hmm confused.
Also do you advise a full Subject access request before initiating a reclaim for mis sold PPI? I have all my mortgage statements and an initial quote document, schedule etc.
Also on my mortgage account statements, there are around £480 of charges all at around £30 for returned Direct Debits for monthly payments... Can I try and reclaim these, or does the OFT case and the stays of court action apply in the case of mortgages?
Once I know the answers I can open a thread/s in the right place
btw I've previously reclaimed bank charges successfully with the help of CAG but am rather a newbie at looking at PPI.
Question re Mortgage PPI and DD Charges
I had and have the following questions:
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