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 got a loan with this outfit , i phoned yesterday asking about the rate cuts and got fobbed off . i also enquired about the PPI , i took a £25k loan out 2 years ago and the ppi was £7k . i wrote to them 3 months ago to cancel i got the letter back saying they would reduce my payments by £11 per month on the agreement the ppi is £75 a month . so i never cancelled they also said they would refund me £1000 to be credited to my loan ,,, any advice please it would be gratefull
what should i do to get the ball rolling thanks all in advance
i`ve got a loan with this outfit , i phoned yesterday asking about the rate cuts and got fobbed off . i also enquired about the PPI , i took a £25k loan out 2 years ago and the ppi was £7k . i wrote to them 3 months ago to cancel i got the letter back saying they would reduce my payments by £11 per month on the agreement the ppi is £75 a month . so i never cancelled they also said they would refund me £1000 to be credited to my loan ,,, any advice please it would be gratefull
what should i do to get the ball rolling thanks all in advance
Hello Gibby,
Welcome to the forum
Well they have made a nice £6,000 profit of this loan. and probably more
You have stated that the loan that you took out was for £25,000 and the ppi was £7,000.
Do you have the correct figures from your credit agreement please.
The amount borrowed
Ppi premium
Total payable interest rate
term of loan
Payments per month
Lets see if we can help you on this one
Do you have a copy of your credit agreement
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
I will have a bash at working out how much interest they applied to the ppi, so you know roughly what you are looking for: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 payments were £384 i checked my last bank statement they are now up too £397 they went up with the last interest rate , i`ve still too see them come down , we live in hope
phoned the other day about mis sold PPI i recieved a letter saying i used a broker( essential loans) and they have now ceased trading .. what should my next move be thanks
ppi/rate cuts first plus
, i took a £25k loan out 2 years ago and the ppi was £7k . i wrote to them 3 months ago to cancel i got the letter back saying they would reduce my payments by £11 per month on the agreement the ppi is £75 a month . so i never cancelled they also said they would refund me £1000 to be credited to my loan ,,, any advice please it would be gratefull
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Originally Posted by gibby150
and probably more
