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 a crap one card and have just recently found that there is PPI on the account. I wrote to them twice asking for it to be cancelled and each time they return the letter saying that it can't be cancelled until I sign the letter.
I have also asked for a copy of my CCA - How should I proceed?
I have a crap one card and have just recently found that there is PPI on the account. I wrote to them twice asking for it to be cancelled and each time they return the letter saying that it can't be cancelled until I sign the letter. (You could of course sign the letter but make sure it has a little something added to make sure you would know if you saw the signature again. Or you could tell them the original is signed and that is the one you will present to the Court if you need to)
I have also asked for a copy of my CCA - How should I proceed? (Did you send the appropriate £1.00 fee with a section 78 request in line with Consumer Credit Act 1974?)
Have you had a look at the stickies section at the top of the PPI forum?
I would suggest this is a good place to start. Lots of really useful information to help you on your way to reclaiming.
Have a good read through and decide on a cunning plan.
if capone play hardball then send your next letter recorded delivery and send a copy to the Financial Services Authority who regulate financial institutions and I beleive are about to get their second teeth after all the recent issues on banking behaviour.
After cancelling you can then decide to claim back the PPI if you have a case. Please see these links for more information.
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.
Crap One - PPI
on the account. I wrote to them twice asking for it to be cancelled and each time they return the letter saying that it can't be cancelled until I sign the letter.
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