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 am really hoping someone can point me in the right direction with my PPI reclaim. I recently submitted a PPI reclaim for approx £11k to Loans.co.uk. I followed the guide on the money saving expert website and after getting nowhere with Loans.co.uk, I complained to the fos. They have told me they cannot do anything because Loans.co.uk, were not regulated by the FSA at the time my PPI was miss sold. The FOS told me to contact the Finance and Leasing Association. I have never heard of these people and I am not sure if they can help me. Does anyone know If they can help me or should I consider legal action against Loans.co.uk and if so, how do I do it?
Thank you very much for your reply. You are right, this is the case. It was actually sold to me in 2002. Just over 6 years ago, although the account was active until 2004 when I sold my house and paid the loan (and PPI) off.
Yes, I also think it is disgusting that any unlawful activity by companies prior to the appointment of the FSA in 2004, is left to the poor customer to deal with, the have no recourse with the enforcement authorities, their only option is court. And of course these despicable companies know this
I do believe you should sent a complaint to anyone who will listen or not as the case may be
Here is a link to the FLA code of conduct for whoever was registered under them and this is what they should have done
If you scroll down on the link there is info on the 2002 coc
This is a standard fob off they have given you, and I am sure that you are aware the loan.co were heavily fined by the fsa
So keep at them and do not take their pathetic response for an answer
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Thank you very much Hellhasnofury for your help. I am aware of loans.co.uk being fines by the fsa which is why i thought i had a good case. I will do as you suggested and give an update..... Once again thanks.
Hi again HHNF. Thank you for the link. Did you attach the right link, the one you gave is very useful thankyou, but did you mean to attach a link to the FLA too.
YOU HAVE NO CHOICE BUT TO GO VIA THE COURTS. THE HARDEST PART IS GETTING YOUR POC (PARTICULARS OF CLAIM) CORRECT. YOU NEED TO GET AN N1 FORM FROM THE COURTS. YOU CAN GET THIS ON THE COUNTY COURTS WEB SITE.www.hmcourts-service.gov.uk
COMPLETE THE FORM AND SEND WITH COURT FEE. IF YOU NEED HELP WITH THE POC GIVE ME A SHOUT. LOOK AT MY THREADS FOR HELP AND GUIDANCE IF YOU INTEND TO GO DOWN THE COURT ROUTE.
I TRIED WITH FSA ETC AND ITS A WASTE OF TIME DUE TO THE PRE 2004
Hi again HHNF. Thank you for the link. Did you attach the right link, the one you gave is very useful thankyou, but did you mean to attach a link to the FLA too.
Once again thanks for your help.
oops sorry forgot to hit the paste button on that one
This is taken from the links sticky at the top of the PPI forum by aa, he has spent ages compiling all this very useful information for us all
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Aaaagh now what...PPI frustration...
reclaim. I recently submitted a PPI reclaim for approx £11k to Loans.co.uk. I followed the guide on the money saving expert website and after getting nowhere with Loans.co.uk, I complained to the fos
Reply With Quote
Originally Posted by clearmydebt
