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 have sent off 2 cheques to 2 companies for my loan agreements to be sent to me. But I also have spoken to a 3rd company via email and today I have received a copy of my loan agreement. Its shows me the value of the loan, the date it was taken out, the inastallment amounts, the PPI and also my signature.
I was told that I needed to send cheques to all my creditors in order to obtain this information so I am just wondering now what I do with this agreement now it has been sent through, how do I proceed with my PPI claim, if indeed I can now claim, what steps do I need to take? Any advice would be greatly appreciated.
When I took the loan out I wasn't made aware of the PPI when speaking to the advisor they just kept going on about the benefits of the interest. I spoke to them about removing my the insurance but by this time I had already been into the loan for 2 years. I just felt that i wasn't properly advised not only on what the PPI offered but also what I needed to do if I wanted to cancel?
If it wasn't mentioned during the sales process then they have missold it - there are template letter somewhere that you can use with example misselling points - you basically take out the bits that are relevant and add anything extra that you think strengthens your case
I have to say I took my template form another site but thats just because I was involved in another way
If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else
This should keep you busy for a while as you decide which way to go
You can Complain to the Financial Ombudsman Service (fos) this was my approach or go to Court. If you go to the FOS and your complaint is not upheld then you can proceed to Court but you cannot do it the other way round the FOS will not take up cases that have been lost in Court.
Good luck and keep posting
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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.
PPI Claim
and also my signature
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