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 took out a loan with welcome finance for £2'000.00 Feb. 2007 for a period of 36 months, I was told that I had to sing for PPI, at first instance I did not, but the forms were returned to me for me to sign and was told I would not get the loan unless I signed. A did signed then a year after I was told it was miss-selling. The signatures are signed with two different inks at separate times. I wrote (1 year after) Welcome Feb 2008and asked for a refund. They said they would give a rebate of £333.83 although they did not accept it was miss-selling. I also cancelled the PPI Feb 2008. The cost of PPI for 36 months is £1362.54. Up to Feb 2008 I paid £454.20 in PPI (12x37.85) I am thinking the rebate of £333.83 given is taken for what I have already paid, then since I cancelled, I would not pay PPI for the remain 24 months. However, Welcome wants to tell me that the rebate is for the full amount of PPI I would pay for 36 months. How can this be when I cancelled after 12 months into the loan? Help!!
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.
Re: Full SAR for ppi
, at first instance I did not, but the forms were returned to me for me to sign and was told I would not get the loan unless I signed. A did signed then a year after I was told it was miss-selling. The signatures are signed with two different inks at separate times. I wrote (1 year after) Welcome Feb 2008and asked for a refund. They said they would give a rebate of £333.83 although they did not accept it was miss-selling. I also cancelled the PPI Feb 2008. The cost of PPI for 36 months is £1362.54. Up to Feb 2008 I paid £454.20 in PPI (12x37.85) I am thinking the rebate of £333.83 given is taken for what I have already paid, then since I cancelled, I would not pay PPI for the remain 24 months. However, Welcome wants to tell me that the rebate is for the full amount of PPI I would pay for 36 months. How can this be when I cancelled after 12 months into the loan? Help!!
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