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.
Having read with great interest the comments and advice on this site, I have recently written to FP claiming that my PPI was missold on a loan taken with them in 2003.
The PPI is still within the 5 year period before it expires, so can someone tell me if I should cancel the policy to get any refund due from that, even though my PPI misselling claim is still pending?
Having read with great interest the comments and advice on this site, I have recently written to FP claiming that my PPI was missold on a loan taken with them in 2003.
The PPI is still within the 5 year period before it expires, so can someone tell me if I should cancel the policy to get any refund due from that, even though my PPI misselling claim is still pending? IMO I would cancel BUT only if you have alternative cover should you fall ill!!
If you have alternative cover and cancel make sure your cancellation letter goes at least recorded if not special delivery.
Your PPI mis-selling claim will be affected but only by the fact any rebate you get will be taken into account when you win and settlement is made.
In my cases I went to the fos with two complaints on seven cases of mis-sold PPI. All were upheld by the adjudicator. I am awaiting result of complaint Number 3.
The FOS advised me when they informed me of the result that I should cancel PPI if I had not already done so but did point out that I would then have no cover and that I should make alternative arrangements to ensure repayments on loan could be met.
If you can post more information it would help to obtain further advice from PPI forum members.
Hope this helps get you started
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.
subbing. Send the SAR and let us know what you get.
BANK CHARGES
Nat West Bus Acct £1750 reclaim - WON
LTSB Bus Acct £1650 charges w/o against o/s balance - WON
Halifax Pers Acct £1650 charges taken from benefits - WON
LTSB Pers Acct - £2K charges, £1K o/d - Rob Way latest DCA
DCAs
Lowells/Capital One - no CCA - gone away £1500
Lowells/MBNA - no CCA - gone away £10K
Abbey - no CCA - £3.5K
CL Finance - 3 court claims re GE storecards 2 withdrawn, 1 hanging by a thread
Hillesden/DLC re Barclaycard - ongoing battle re validity of CCA - £3.5K
Clydesdale - charges more than balance - valid CCA:o - onto 4th DCA so far
LTSB card - £7K - no CCA - destroyed after 6 years! - latest DCA - AIC
Others
GE Money sec loan - £1900 in charges - settlement agreed
GE Money sec loan - ERC of £2.5K valid for 15 years - on standby
FirstPlus - missold PPI of £20K for friends - WON
Thanks for your interest in my posts! It is great to know that there are people fighting for what is right out there!
I have followed most of the arguments used by Angling_Man so far, as I am sure my PPI was missold along same lines - I already had cover through work but they did not ask, it was added to loan and pushed as being the quickest and easiest way to get the loan.
Despite everything else, it simply cant be right to sell PPR to cover 5 years of a 20 year loan, but have me pay for it for the whole 20 year term?!
BANK CHARGES
Nat West Bus Acct £1750 reclaim - WON
LTSB Bus Acct £1650 charges w/o against o/s balance - WON
Halifax Pers Acct £1650 charges taken from benefits - WON
LTSB Pers Acct - £2K charges, £1K o/d - Rob Way latest DCA
DCAs
Lowells/Capital One - no CCA - gone away £1500
Lowells/MBNA - no CCA - gone away £10K
Abbey - no CCA - £3.5K
CL Finance - 3 court claims re GE storecards 2 withdrawn, 1 hanging by a thread
Hillesden/DLC re Barclaycard - ongoing battle re validity of CCA - £3.5K
Clydesdale - charges more than balance - valid CCA:o - onto 4th DCA so far
LTSB card - £7K - no CCA - destroyed after 6 years! - latest DCA - AIC
Others
GE Money sec loan - £1900 in charges - settlement agreed
GE Money sec loan - ERC of £2.5K valid for 15 years - on standby
FirstPlus - missold PPI of £20K for friends - WON
One letter, and all settled within 6 weeks from start to finish.
They upheld the complaint on the fact that the sales advisor at the time of the application did not make it clear that the PPI was optional.
They have refunded 6.5k premium plus 2.7k interest back to the loan and restructered the loan as though PPI never existed, and have refunded 2.8k to me in a cheque!!!
FP were really helpful in my case.
Its definitely worth a letter and asking the question!
Excellent news troughmonster - we need to get your thread title changed to WON. There are a lot of FP claimants on the site and it will give them some hope.
CONGRATULATIONS
BANK CHARGES
Nat West Bus Acct £1750 reclaim - WON
LTSB Bus Acct £1650 charges w/o against o/s balance - WON
Halifax Pers Acct £1650 charges taken from benefits - WON
LTSB Pers Acct - £2K charges, £1K o/d - Rob Way latest DCA
DCAs
Lowells/Capital One - no CCA - gone away £1500
Lowells/MBNA - no CCA - gone away £10K
Abbey - no CCA - £3.5K
CL Finance - 3 court claims re GE storecards 2 withdrawn, 1 hanging by a thread
Hillesden/DLC re Barclaycard - ongoing battle re validity of CCA - £3.5K
Clydesdale - charges more than balance - valid CCA:o - onto 4th DCA so far
LTSB card - £7K - no CCA - destroyed after 6 years! - latest DCA - AIC
Others
GE Money sec loan - £1900 in charges - settlement agreed
GE Money sec loan - ERC of £2.5K valid for 15 years - on standby
FirstPlus - missold PPI of £20K for friends - WON
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.
Congratulations!! Well done this is great news. I have today had a reply to my 2nd letter they refused ro uphold my claim in reply to the 1st. This time they are saying my comments have been noted and they will provide me with a full reponse by 24/2/09. I don't know if thats good news or not.
But your success gives the rest of us hope.
a very nice result. I have been away due to bereavment, so not been following. I am pleased for you enjoy the fact you have your money back
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.
Firstplus PPI reclaim - advice please!**WON**
the comments and advice on this site, I have recently written to FP claiming that my PPI
Reply With Quote
Re: Firstplus PPI reclaim - advice please!**WON**
