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 been in correspondance with Creation Consumer Finance regarding an hp agreement and the PPI connected to it. I believe the policy was mis-sold as I didn't realise I had it and it was only when I came across the paperwork i noticed, also I have a pre-existing medical condition which would not have been covered in the event of a claim.
I have written to them and had the usual "We believe you had all the correct information at the time....etc" so I replied with a letter before action, they have not acknowledged this letter and time is up!
Becasue I signed the agreement in 2004, it is outside the fos regulations so I guess I need to start the court preceedings??
Have you phoned the fos just to check that it is outside their remission i ask because im under the impression that if the agreement went into 2005 which it did in your case they could still deal with it.
So i would get this verified first before you go down the court route
FOS Numbers below:
consumer helpline
open 9am to 5pm, Monday to Friday
0845 080 1800
(calls cost up to 4p a minute for BT customers – but are likely to cost more if you use another phone provider or call from a mobile phone)
0300 123 9 123 or 020 7964 0500 (these numbers may be cheaper if you use a mobile phone or a phone provider other than BT – and will be "free" if you pay a monthly charge for calls to numbers starting 01 or 02)
Am I going to court...?
connected to it. I believe the policy was mis-sold as I didn't realise I had it and it was only when I came across the paperwork i noticed, also I have a pre-existing medical condition which would not have been covered in the event of a claim.
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Re: Am I going to court...?
