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 recently started a misselling claim for PPI from Nat West. This is in addition to the problems I currently have regarding the loan that the PPI relates too. It seems that Nat West will shortly be accepting that the PPI was missold as they are unable to locate any of the paperwork (no surprise there as they have been looking for it for 14 months!) so a refund looks likely, but I am puzzled as to how this will be calculated and refunded. It is a single premium policy and a friend has told me that they may not "refund" as such but may instead just adjust future payments to take in to account the variation. I've also heard nightmare stories of loand being re-calculated at extortianate rates etc, but surely as the loan is effectively a separate product to the PPI, it should just continue to be paid at the agreed rate :-?
PPI Refund calculations help needed
from Nat West. This is in addition to the problems I currently have regarding the loan that the PPI relates too. It seems that Nat West will shortly be accepting that the PPI was missold as they are unable to locate any of the paperwork (no surprise there as they have been looking for it for 14 months!) so a refund looks likely, but I am puzzled as to how this will be calculated and refunded. It is a single premium policy and a friend has told me that they may not "refund" as such but may instead just adjust future payments to take in to account the variation. I've also heard nightmare stories of loand being re-calculated at extortianate rates etc, but surely as the loan is effectively a separate product to the PPI, it should just continue to be paid at the agreed rate :-?
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