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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.
After my resounding success over RBS and my refund of the PPI I had on my loan I have taken on another, this isn't mine but my mother's, as she is retired (along with my father) she has no idea how to deal with this sort of thing!
Back in May 2006 she had a loan with the Britannia BS, I was actually in the room at the time when she got this loan, they sold her a PPI when both she and my father are retired (both over 65 when the loan was taken out) and also stated (bear in mind I witnessed this also) that she HAD to take this out to GET the loan!
Now thats just two reasons of mis-sold PPI, firstly they couldn't claim on it because they are retired so it rendered the policy void anyway and also you don't HAVE to take out a PPI to get a loan!
Anyway she has recently settled this loan so I have taken over to see if I can reclaim the FULL PPI, they did give her a refund of around £600 (on the PPI) when she settled but looking at the figures this is not acceptable at all!
Already paid 31 @ £255.59 = £7923.29
Settled in full on last month figure of around £6000
PPI: £3,582.00 including interest!
As you can see £600 is rather pathetic so a letter will be going of to them to start the ball rolling to claim back the full amount of the PPI with interest!
Wish me luck again and I will keep everyone updated!
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.
My parents recieved a letter yesterday from Bank of Scotland (thats who the PPI was through apparently) and it looks promising, I don't have the letter myself but I read it and it basically stated:
We are looking at your claim and have decided that my parents do have a point being over 65 (not that they can argue this) and they accept no liability (usual) however they will be writing again with an offer within the next four weeks.
So it looks like there maybe a result coming my way for this PPI claim, I will keep you all updated on what offer they make when the letter arrives
Sorry for the massive delay in posting about this one, my mum won ALL of her money back..
I cannot recall the exact amount but it was around £3,500.00, they didn't argue anything at all just sent her the offer and she accepted which anyone would
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.
There you go remember to post in the PPI successes stickies
Good result to help motivate other reclaimers
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.
Just shows you how long its been since I came one here, your site team now congrats on that you certainly deserve that as you have helped me out so many times
Will make sure I try to stick around this time, little one is 7 months now so it shouldnt be such a struggle to try and get a few hours to myself to catch up with everything lol
Well done to you I remember my children at 7 months they are now 29, 27 and 22 and two of them have medals for serving in Afghanistan and Iraq. You will see time will fly by in no time at all. Well done on your success it will be a help you out and better back in your pocket than theirs
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.
Hazy V's Britannia Building Society ** WON **
and my refund of the PPI
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