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.
Could anyone take a look at a letter I am going to send to Egg in response to their letter supplying me with a screenshot of my application with no tick box for PPI - just a box at the bottom with my credit limit and next to Payment Protection it just has (Accident Sickness, Unemployement and Life) They are saying that if I had not opted into ppi during my application this box would contain the word "NONE".
Heres the letter:-
Thank you for your prompt reply to my complaint.
However, the screenshot of my application that you provided does not supply me with proof that I requested PPI insurance at the time of my application. Therefore please supply me with a full copy of my application including my request for PPI insurance. It is not sufficient for you to say that during the application process it is transferred to another section and the screen showing the box is not kept for future reference. There are screen shots of my name, address, financial information etc. that I filled in on my application but the part where I was supposed to have ticked the box is not there. As I was self employed at the time of the application I would not have chosen to include ppi insurance that would not cover me for all eventualities should I need to make a claim.
If I do not receive a satisfactory response I will be pursuing this matter through the county court procedure which will incur further costs.
What I require:-
A full refund of all ppi insurance monies paid plus interest at 8%.
From studying relevant information from the Consumer Action group’s website I believe that I would be successful if I initiated court proceedings.
I look forward to your reply.
GE MONEY - DEBENHAMS CARD
Settled in full after prelim
MBNA
Settled after LBA
however mistake made by me on contractual interest so going after the rest now
SETTLED IN FULL JAN 2007
MINT
Offer after prelim rejected
Settled in full after LBA
to go:
Barclays Bus Ac - to mcol
Barclays CC - to mcol
Nat West (over 6 years) no action taken yet
Creation Financial - awaiting statements since Dec
Goldfish - offer after prelim rejected
and some more