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.
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I am at present trying to reclaim the PPI on my credit card.
As I hold a balance on my credit card would the bank expect any refund if given to be used to clear the balance or as I totally cleared my previous balance last year would any refunded PPI & interest paid to that date be mine to do with as I wish.
I don't know if the bank are going to refund, but as the four weeks extra time they asked for is almost up I am interested to know my rights.
I am at present trying to reclaim the PPI on my credit card.
As I hold a balance on my credit card would the bank expect any refund if given to be used to clear the balance (No doubt they would try and clear any balance outstanding but you can insist on a cheque if the PPI is proven as mis-sold then it is your money to do with as you wish) or as I totally cleared my previous balance last year would any refunded PPI & interest paid to that date be mine to do with as I wish. Please see above response.
I don't know if the bank are going to refund, but as the four weeks extra time they asked for is almost up I am interested to know my rights. If you have given them an additional 4 weeks response time then you have been very generous and I would now start to insist that they abide by your timescales ie 4 weeks extra and no result then you should insist on payment to you as you see fit do not be controlled by the people who have allegedly mis-sold.
Keep at them the banks are notorious at delaying tactics if you check out my thread it took over 12 months for a result and in fact the fight is still ongoing.
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I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Cash or balance cleared?
on my credit card.
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