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.
total 1123.20
When I put all info into spreaddie it comes out as 1386.41.
How do I put this into the prelim so it makes sense?
E.G
The original premium was £827.21 added to the loan amount on the 11th October 2001. I presume that interest at 13.5% was added to this amount, (unless you can inform me otherwise) making the total amount payable for the insurance loan £1123.20 as at 11 October 2001.
So how can it be £1386.41 and how do I word it?
[FONT='Verdana','sans-serif']I recently made a Data request for a copy of my CCA for the above account.[/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif']I purchased a policy from you in October 2001 in connection with the loan agreement referenced above. I believe that I was mis-sold this policy for the reason(s) given below, [/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif']1, I was not told that the insurance was optional.[/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif']2, I was led to believe that my application for credit would be rejected if I did not take out the insurance.[/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif']3, The policy exclusions were not explained to me either before or at the time I took out the insurance. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me.[/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif']4, I was not told I could buy PPI elsewhere to cover the loan.[/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif']5, I paid upfront for the PPI but it was not explained that there were some PPI policies where I could pay monthly.[/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif']6, The Terms & Conditions of the small print were not fully explained to me.[/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif'] [/font]
[FONT='Verdana','sans-serif']What I require[/font][FONT='Verdana','sans-serif'][/font]
[FONT='Verdana','sans-serif']I am requesting a full refund of all my insurance payments, plus interest, which total £xxxx.xx, as shown on the enclosed spreadsheet [/font]
[FONT='Verdana','sans-serif'][/font] [FONT='Verdana','sans-serif']If I do not receive a favourable response from you I will pursue this claim through the courts. [/font] [FONT='Verdana','sans-serif'][/font]
[FONT='Verdana','sans-serif']Yours faithfully,[/font]
PS how do I get rid of this font stuff?
Mymaterob V Mbna
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