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.
Posted on the back of another members message last week - here's my story.
Got 4 CC which my husband knows nothing about - have sent requested CCA from them yesterday. Just found out that 2 (MBNA & Egg have added PPI) lettered them yesterday too requesting refund as per template letters found on site.
I also have a Lloyds TSB loan which I was forced into combined two other loans and taking PPI - phoned them 2 weeks ago and asked that the refund PPI - received standard letter that its being investigated - my husband doesn't know about this either.
Has anyone been successful in reclaiming PPI from Lloyds and how long did it take -
With regards to my husband can't tell him about my debts as he would leave and I don't like myself for what I've done to him.
Don't know how much more information is required - but would welcome help.
I think you need to be a little bit patient here. I know that is easier said than done.
If you have only sent off your CCA requests yesterday, then you should wait for a couple of weeks before you do anything else. Wait to see what comes back.
which will give you an insight into how you claim back PPI.
Avoid phoning any of these organizations. Deal with them in writing, so there is a provable trail of evidence. If you are going to challenge these characters, then your telephone will almost certainly start ringing off the hook, so I don't know how long you will be able to keep this from your husband.
SH
All opinions of ScabHunter are offered in good faith and believed to be accurate and true. Please note, though, that I have no legal training and am human like the rest of us (except the DCA trolls).
If you have received court papers, PLEASE POST EARLY. We can help, but only if we are within the timescales.
I am happy to receive PMs (and friendship requests!), but if you want me to look at your thread please leave a link to it.
If I have been helpful, please feel free to click the old scales!
I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.
im sure some one will answer you soon, im claiming against Lloyds at the mo for PPI. i sent a letter asking for it back on the grounds of misselling they sent one back saying basicaly tuff luck go whistle, the matter is closed, well no its not so im now dealing with the fos. this is all since the 17th nov.
Thanks for your reply - how long did they take to tell you no - I know I'm being impatient but just found out that the PPI is costing me £117.88 a month - tried to cancel it as per the letter advising that it was being investigated and was told I could get a rebate of £220.
Please keep me posted on how you get on and I will do the same.
Posted on the back of another members message last week - here's my story.
Got 4 CC which my husband knows nothing about - have sent requested CCA from them yesterday. Just found out that 2 (MBNA & Egg have added PPI) lettered them yesterday too requesting refund as per template letters found on site.
I also have a Lloyds TSB loan which I was forced into combined two other loans and taking PPI - phoned them 2 weeks ago and asked that the refund PPI - received standard letter that its being investigated - my husband doesn't know about this either.
Has anyone been successful in reclaiming PPI from Lloyds and how long did it take -
With regards to my husband can't tell him about my debts as he would leave and I don't like myself for what I've done to him.
Don't know how much more information is required - but would welcome help.
Hello Roors,
Please don't be so hard on yourself, you are only like many others in todays financial climate. Many including myself have felt like, a isolated bad person, that can not talk about our financial affairs to anyone. We live with shame. which over a period of time eats us up and takes its toll.
Now ,what I have come to realise, is that these financial companies, target certain customers, especially those who only pay the minimum payments, these are the customers they really do make profit/money on Now as soon as you max out, hey presto they raise the credit limit and you are sucked in a bit more. Its a trap that you get into and find extremely difficult to get out of. The minimum payment goes up a few quid, and that you think is ok, but all of the credit cards do the same, so they all go up and after a period of time, you hit crisis. (this may not be your case, its just and example of what happens to others).
To start with they apply ppi, which is probably of no use whatsoever to you and on top of the ppi payment they add interest. Thus adding to your indebtedness to them.
I am pleased that you have started the process of reclaiming back what is rightfully yours:grin: You need to fight them all of the way and not take their feeble refusals lightly.
Please keep us posted and if you need to talk or need help, we are here for 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
Thanks for reply - its good to know others are in same position - just hope I can eventually stop living in never never land - will let you know how it goes.
Thanks for reply - its good to know others are in same position - just hope I can eventually stop living in never never land - will let you know how it goes.
You are more than welcome
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
Just come to help if I can, where are you up to with this shower please.:grin:
Can you tell me the story please:grin:
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
My story - at present haven't defaulted on any of my payments - this month may be the first - Christmas. Took out a loan 4 years ago - refinanced several others and instancance of bank and was told could only get money if PPI was included - rather stupidly I agreed - the usual story you think I'll also be able to afford payments - then wake up and think no way.
Went to the bank recently to try and reduce loan repayment currently £642 pm and they tried again to refinance - discovered this site by accident.
Anyway - about 3 weeks ago I rang the Lloyds Insurance and they took my complaint over the phone - have received one letter from them telling me they are looking into it.
As far as my CC's are concerned discovered that Egg & MBNA have been including PPI for years so on Tuesday sent recorded delivery letters requesting my money back - I know it will take a while. I have also written to Egg, MBNA and Barclaycard for copies of my agreement (template letters downloaded from site).
Just to say mine regarding a Lloyds TSB Credit Card PPI is currently being dealt with by the Adjudicator (fos), I was an homemaker when this was sold to me in 2001.
Being laid back - back then I assumed PPI it was all part of credit cards and loans etc and to cancel I also assumed I would have to cancel and pay back the balance in full.
I received the standard fob off letters they use, like "being covered for life cover and hospitalisation" etc, but its not the point, I had contacted them in 2004 and told them even though I was the principal holder on the account, and had no second holder, my hubby came out of work, so asked if the PPI would cover me, they told me no, as this was for myself and not my hubby.....
The adjudicator got back to me last week to inform me that he believes that this should be upheld, but had raised further issues with Lloyds and should hear something within a week or 2.
This has been with the FOS since June 08, and September I was told it was finally passed on to the adjudicator.
I know these complaints can vary once in with the FOS, depending on how complex they can be, one of mine had taken 14 months from start to finish.
Wish you luck with yours.....
I yet have the loan PPI complaints to get on with.
Good luck and keep at it.
Now I know a bit more of these PPI issues I tend to be getting on with them all....and hate seeing others being ripped off !
Di
My story - at present haven't defaulted on any of my payments - this month may be the first - Christmas. Took out a loan 4 years ago - refinanced several others and instancance of bank and was told could only get money if PPI was included - rather stupidly I agreed - the usual story you think I'll also be able to afford payments - then wake up and think no way.
Went to the bank recently to try and reduce loan repayment currently £642 pm and they tried again to refinance - discovered this site by accident.
Anyway - about 3 weeks ago I rang the Lloyds Insurance and they took my complaint over the phone - have received one letter from them telling me they are looking into it.
As far as my CC's are concerned discovered that Egg & MBNA have been including PPI for years so on Tuesday sent recorded delivery letters requesting my money back - I know it will take a while. I have also written to Egg, MBNA and Barclaycard for copies of my agreement (template letters downloaded from site).
Don't know what else you need - but let me know.
I believe it is time for you to send Subject Access Requests to Lloyds, Egg MBNA and barclaycard asking for your PPI money back.
Can I reclaim on any PPI policy?
Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.
However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.
For legal issues relating to Data Protection check this link...Lots of very useful info in understandable terms. Data Protection | OUT-LAW.COM
it includes the following and much much more Negotiating with the Data Subject (This should be important to Banks)
At this stage, it is advisable to negotiate with the data subject. The location information the data subject will have already given will give a clue as to what it is the data subject really wants to have information about. The benefit of the Data Protection Act 1998 is that it allows data controllers to negotiate with data subjects to get the data subject to specify the exact information he or she wishes to receive.
The data controller is entitled to ask for a fee of £10 and two further pieces of information. Firstly, the data controller must satisfy himself that the person making the request is, in fact, the data subject. The use of a Subject access request form is advised, since the greatest breach of a data controller's security is for the data controller to satisfy a subject access request made by a person impersonating the data subject. The use of the form goes towards proving that the data controller has adequate identification and verification procedures in place. Secondly, the data controller is entitled to ask the data subject for further information to enable the data controller to locate the information which that person seeks.
When the last of these three pieces of information has been obtained, the forty day period starts to run. It is advisable to put procedures in place to ensure that the receipt of the request and the further information is correctly dated so that an organisation knows how long it has to satisfy the subject access request.
However, if the data subject is adamant that he or she wishes to receive a copy of everything the data controller holds on him or her, then there is very little the data controller can do about this, and a completely exhaustive search of the computerised and manually held data in the organisation will be required. (nice to know what you see in the Act is what you get)
A lot of the above information is available plus loads more in this link....
Keep everything in writing so you have an accurate record. Keep copies of all correspondence (at least 2 copies) and keep them in Chronological order or list them as items in the order they have been sent or recieved. If you phone make sure the calls are recorded by you with details of times, dates and content.
If you are called please make notes of the name of the person calling, dates and times of call and any other relevant information you believe would be useful.
The more information you have details of the better your reclaim chances.
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.
Thanx for the post - its good to now that I'm not alone - just to keep you all posted in this mornings mail I received a letter from Egg advising that they were investigating my complaint re PPI - however they haven't yet replied to my CCA request - but at least I know they got the letters. I did send them recorded but can't seem to get the post office tracking system to work.
Still no word from Lloyds - but I know I need to be realistic - Rome wasn't built in a day - but I'm sure I managed to get into all my debt in that time.
Can someone advise - would it be in order for me to withhold the PPI element from my next Lloyds loan repayment - did think about cancelling the DD for the whole amount - but don't know how it would go.
And are the loan payments coming out of a Lloyds account? you may struggle to change the direct debit in your favour - thats why banks like DDs and not standing orders which you control
If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else
I received letter from Lloyds 2 weeks ago advising that they were investigating and that I could cancel PPI - when I phoned to do so I was offered a rebate of £220 - reducing payments by £10pm (14months left on loan) - told them not to bother - the way I read the letter was that I could cancel PPI - which amounts to £117 pm - however Lloyds didn't see it like that - the loan does come out of a TSB account but I could change all that and get salary paid in elsewhere - but then I would probably end up with huge bank charges.
I don't know what to do - struggling to make repayments this month because of Christmas anyway.
Lloyds PPI Reclaim & Credit Card Debts
& Egg
Reply With Quote
Re: Lloyds PPI Reclaim
Originally Posted by roors
Now as soon as you max out, hey presto they raise the credit limit and you are sucked in a bit more. Its a trap that you get into and find extremely difficult to get out of. The minimum payment goes up a few quid, and that you think is ok, but all of the credit cards do the same, so they all go up and after a period of time, you hit crisis. (this may not be your case, its just and example of what happens to others).
.
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