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.
My Wife has been with Natwest Since a little girl....Arrrrrrrrrrrrr
But Martin Lewis is right ! Bank Loyality doesn't diddly squat !
Recently she came clean and admited her debts to me......Wow was that a surprise ! We are moving in the right direction now However we have come up against a massive problem with Natwest.
She has two credit cards (a Gold Card and a Mastercard) and a Natwest loan. She had PPI on all three. We've stopped them now thinking that her payments each month would be reduced
With Natwest it doesn't work like that.Each month the amount she was paying was a purchase from Natwest. So all that has happened is nothing ! Her debts has been mounting up each month because she has had to pay interest on the PPI and what she has been spending @20%
What should be our next step? PPI reclaim?
On The Loan that was even more sneaky. She took a loan out for £25.000 on Top of this she took out PPI.Natwest seem to load the amount of PPI on to the loan.So another £6000 was loaned on to loan.The payment for PPI was £78.90 a month. Thinking again that her repayments would be reduced by this amount and thta we would get a refund of 68%9As per there terms and conditions) They paid a refund back of the loan and not a s Refund to her current account.
No where in there terms and conditions does it say that a "Refund" will be paid to the loan.
Now possibly They might think its there money in the 1st place and they can "refund" you the money any way they like.But why don't they tell you this in their literature.
My Wife has been with Natwest Since a little girl....Arrrrrrrrrrrrr
But Martin Lewis is right ! Bank Loyality doesn't diddly squat !
Recently she came clean and admited her debts to me......Wow was that a surprise ! We are moving in the right direction now However we have come up against a massive problem with NatWest.
She has two credit cards (a Gold Card and a Mastercard) and a NatWest loan. She had PPI on all three. We've stopped them now thinking that her payments each month would be reduced
With NatWest it doesn't work like that.Each month the amount she was paying was a purchase from Natwest. So all that has happened is nothing ! Her debts has been mounting up each month because she has had to pay interest on the PPI and what she has been spending @20%
What should be our next step? PPI reclaim?
On The Loan that was even more sneaky. She took a loan out for £25.000 on Top of this she took out PPI.NatWest seem to load the amount of PPI on to the loan.So another £6000 was loaned on to loan.The payment for PPI was £78.90 a month. Thinking again that her repayments would be reduced by this amount and thta we would get a refund of 68%9As per there terms and conditions) They paid a refund back of the loan and not a s Refund to her current account.
No where in there terms and conditions does it say that a "Refund" will be paid to the loan.
Now possibly They might think its there money in the 1st place and they can "refund" you the money any way they like.But why don't they tell you this in their literature.
What cause of Action should,if any,take ?
My advice would be firstly to prepare. Have a look at the stickies at the top of the forum and gather information before action PPI reclaiming can be a long haul.
Now this is a long thread with a massive amount of links. Some may be helpful and others not so but I am sure this will enable you to make a considered decision on how to start off on your way to reclaiming.
I would advise to look at other threads on the Natwest PPI issue and see if you can get any valuable information from caggers who are already in the fight with them.
Any questions just post and I am sure someone will pop in to offer support and advice
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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.
Natwest Loyality
Since a little girl....Arrrrrrrrrrrrr
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