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.
2 quick ?s before posting all details for advice pls.
1.am i right in thinking that PPI is not suitable if you are self employed.
2. IF YES TO QUESTION 1. would we have to claim that it was miss sold as they knew the person was self employed....thanks
2 quick ?s before posting all details for advice pls.
1.am i right in thinking that PPI is not suitable if you are self employed. I would suggest yes but first read the small print in your terms and conditions as there could be inclusions/exclusions applicable to your policy.
2. IF YES TO QUESTION 1. would we have to claim that it was miss sold as they knew the person was self employed....thanks Yes again but you may be required to provide proof of self employment at the point of sale and also to ensure your were not asked about this through a demands and needs questionnaire
I would suggest firstly a Full Subject access request which requires a statutory fee of £10.00 and ask for all the data they hold on you as a data subject. see other threads for more info on this have a read and prepare before posting
The fight could be long and hard so be prepared.
I started in Jan 08 and my fight is still ongoing although I have had positive results.
Good Luck
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.
2 quick ?s before posting all details for advice pls.
1.am i right in thinking that PPI is not suitable if you are self employed.
2. IF YES TO QUESTION 1. would we have to claim that it was miss sold as they knew the person was self employed....thanks
well it is very hard to say without looking at the policy document...however you could complain , about not being told the policy was optional , or not being offered a monthly insurance cover( as opposed to the single premiun cover you will have) ... welcome will fob you off do not expect them to pay you out ...you will have to wait 8 weeks and then refer the complaint onto the financial Ombudsman service ...they have a 9 month backlog !!...but they WILL make welcome pay back your money ....100% definite....
a few tips
send your written complaint recorded delivery ! and then wait for an acknowledgement letter ...they have 5 working days from recieving your complaint.
will do that thanks its actually my sis in law.i looked at agreement and from reading on CAG adding arrangement fee is also a no no. she has worked at home for the same company for years on self employed basis. she rang welcome on friday after i told her she would not be able to ever claim on this and they should not have sold this to her..there reply was we have got you down as employed (company name) job title machinist? true here self employed ,company name who supply work is correct.but she PACKS READING AND SUNGLASSES LOL. GOING TO WRITE HER A COMPLAINT LETTER FIRST pointing this out .PPI added is 1300 and totally usefull.i didnot know she had this loan till now.my god these people are unbelievable... loan of 2000 paying back 128 a month for 48 months(over 6 grand pay back) we get agreement from her to post and hope someone can help further thanks.
welcome ppi loan
is not suitable if you are self employed.
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Originally Posted by sam614
