Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


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  1. 19th March 2009 15:14 #1
    kgrant kgrant is offline
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    Default black horse ppi possible claim?

    we have had 3 loans with black horse over the last couple of years all had PPIicon that was a single payment policy and we were charged interesticon on this , we were told that it would help our application and we were not told we could get cover elswhere do we have a claim?

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  2. 19th March 2009 15:41 #2
    dx100uk dx100uk is online now
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    Default Re: black horse ppi possible claim?

    yes

    go get 'em

    see the notes thread in the this forum


    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
    rather than hittting to be my friend - hit the star
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  3. 19th March 2009 15:50 #3
    kgrant kgrant is offline
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    Default Re: black horse ppi possible claim?

    thanks , i dont need to sent the SARicon as i have all three loan agreements

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  4. 19th March 2009 17:07 #4
    dx100uk dx100uk is online now
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    Default Re: black horse ppi possible claim?

    great so all you need to do, is calulate what they now owe you [+8% stat int} and fire off the letter claiming mis-sell.

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
    rather than hittting to be my friend - hit the star
    DX
    Siteteam
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  5. 19th March 2009 20:08 #5
    alanalana alanalana is offline
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    Default Re: black horse ppi possible claim?

    hello kgrant,

    welcome to the PPIicon forum

    we have had 3 loans with black horse over the last couple of years all had ppi that was a single payment policy and we were charged interesticon on this , we were told that it would help our application and we were not told we could get cover elswhere do we have a claim?
    Please have a look at these links to make a decision on whether the PPI was mis-sold in your opinion......

    For claims before 2005 and the FSA ruling from which campaign
    How to tell if you’ve been mis-sold PPI
    Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

    The above come from this link in stickies..... links

    A lot of information in here some will be useful and other stuff not. Pick out the bits that may help you go on with a claim to a successful outcome.

    From your initial post I would suggest YES you have a claim but do some research before proceding as this will give you more confidence once you start the process.

    Good luck and post for help when you need advice.

    aa

    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

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    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.
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  6. 20th March 2009 07:20 #6
    hellhasnofury hellhasnofury is offline
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    Default Re: black horse ppi possible claim?

    Quote Originally Posted by kgrant View Post
    thanks , i dont need to sent the SARicon as i have all three loan agreements
    Hello Kgrant,

    Welcome to the PPIicon forum

    During my time of the site, I have been educated into varying aspects of the consumer legislation.

    I feel it is important to cover all aspects of consumer rights when requesting back your mis-sold ppi, ppi interesticon and statutory interest to boot.

    To hit them where it really hurts and make them sit up to attention, I believe there are 3 important areas to challange them on.

    1. Mis-sold ppi

    2. The actual credit agreement

    3. Any commission based payments

    Here is a link to a very interest topic regarding credit agreements. It is extremely interesting when you then apply it to your own credit agreement

    Multiple agreements falling within section 18 CCA 1974

    Any questions just ask

    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
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