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.
Beneficial Finance/HFC sent a cheque for interest on PPI - out of the blue, we never asked for it!
A few months back we received a letter offering us the interest on the PPI as we closed their very large unsecured loan and converted it into a secured loan.
We have been assessing the appropriateness of our refund basis for customers in our circumstances and we have recalculated your refund. We propose to give you a further refund of £200. This is calculated as:
a) The difference between the refund paid to you on cancellation of the insurance at the time you settled your loan and a higher amount determined to be fairer to you; and
b) interest on this additional refund amount from the date of the original calculation to the date you settled the account, at the rate you paid on your Home Owner Loan; and
c) additional interest on this amount at 8% per annum simple interest from the date of settlement to now
Should I SAR them and see what exactly has gone on? The original loan was £30'000 if I remember correctly.
Beneficial Finance/HFC sent a cheque for interest on PPI - out of the blue, we never asked for it!
on the PPI
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